Most credit cards can be divided into three months, six months, nine months, 12 months, 16 months, 24 months, and some bank credit cards can be divided into 36 months, because the regulations of various banks are not uniform, the grades of credit cards are not uniform, and the number of installments is different. The specific number of periods shall be subject to the actual provisions.

Credit card installment payment refers to the process that the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum when the cardholder uses the credit card to make a large amount of consumption, so that the cardholder can repay the money to the bank in installments. According to the cardholder's application, the bank deducts the consumption funds by stages through the cardholder's credit card account, and the cardholder repays according to the monthly amount.

Extended data:

Precautions:

1. Although the longer the installment period, the less the monthly repayment amount, the less the repayment pressure and the lower the interest rate, but the more the total handling fee.

2. It should be noted that if you want to repay in advance after installment, you usually have to charge a handling fee, and the credit card cannot withdraw cash when you repay in installments.

3. Different banks have different regulations on credit card installment, which can be divided into 3 installments, 6 installments, 12 installment, 18 installment and 24 installments, with a maximum of 36 installments, depending on the regulations of the card-holding bank.

4. When consumers are dissatisfied with goods or have quality problems in returning goods, most of the fees charged by banks will not be refunded, and consumers who pay in one lump sum will lose a lot.

5. Repayment in advance is not refundable. When you handle the installment, you should also know whether the handling fee should be paid in installments or in one sex. What needs to be understood is that regarding the handling fee, no matter what kind of payment method, as long as the number of installments is selected, the handling fee cannot be changed. Even if the repayment is made in advance, the handling fee is indispensable. After the installment, even with the ability to repay in advance, the installment cost cannot be reduced.

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