1. When the installment card reaches a certain consumption amount, it will be automatically installment, and the cardholder can repay in installments on time; Credit cards do not automatically apply for installment, and cardholders need to apply for installment from the issuing bank.

2. The installment card has a high amount, usually starting from 6.5438+10,000 yuan, and the installment rate is high; The credit card limit is low, generally starting from 1000 yuan, and the installment rate is low.