Legal analysis: If the credit card cannot be repaid in installments, you can directly apply to the bank for deferred repayment or apply for the minimum repayment business. It is necessary to take some measures to solve this problem, otherwise it will be brought into the system of dishonesty by banks. Whether a credit card can be repaid in installments is a matter agreed in advance when handling a credit card or a loan. In the absence of agreement, the bank has the right not to allow installment payment. At this time, we can only find a solution through consultation with the bank.

Legal basis: Article 6 of the Measures for the Administration of Bank Card Business Credit cards are divided into debit cards and quasi-credit cards according to whether the reserve fund is deposited with the issuing bank. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder must first deposit a certain amount of reserve fund according to the requirements of the issuing bank, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank. Article 41 The issuing bank shall carefully examine the credit status of the credit card applicant and determine the effective guarantee and guarantee method according to the credit status of the applicant. The issuing bank shall regularly review the credit status of credit card holders and adjust their credit limit according to the changes of credit status.