Credit card installment is that many card friends will only choose to handle it if the capital turnover is not enough, so some friends will always be confused about handling credit card installment because they are afraid of affecting their credit card withdrawal.

It is said that credit card installment can give banks some "sweetness" from cardholders, which may help to increase the quota. But is this really the case? Some card friends also said that it is not possible to divide it in stages, and it is best not to divide it. Regardless of the installment or the minimum repayment amount, the cost is much higher than that of POS card swiping.

The cardholder needs to pay the installment fee, and the bank will generate a sum of income. Some banks, as long as you have a transaction, will push you an advertising message by stages, and they will always try their luck. When they meet some players, they are under great repayment pressure and don't know how to repay a small account. Then, as long as you have paid off the account and haven't paid it off completely by the end of the repayment date, the call to promote installment will come. ：

1. China Merchants Bank

Staging does not affect the increase of quota, so it will not raise the amount by stages, nor will it affect the amount by stages. (China Merchants Bank) The credit line is not fixed, but will increase with the accumulation of your credit card consumption, repayment and card holding time.

You can call the service hotline to increase the credit limit after 3 months, and we will apply to the relevant audit department for you according to your consumption indicators, repayment records and consumption habits. Or when your financial level has improved to a certain extent, you can also provide us with relevant certificates, and the audit department will evaluate your credit limit according to the attached materials. At the same time, you can also call to apply for temporary restrictions.

2. Industrial and Commercial Bank of China

Industrial and commercial staging is indeed a plus item, because 1 1,000 yuan staging can get 400 contribution points, but its effect on the amount increase is negligible. I've never seen a card friend who is in business by stages.

3. Guangfa Bank

Staging is useless to raise funds for Guangfa. Of course, there are always exceptions. Someone put a card with a limit of 10000 yuan, which is divided into 5000 yuan every six months. It is never used temporarily, and then most of it is real consumption. Now it has mentioned more than 60 thousand. The other 99% card friends used the money to enter the darkroom, and paid off the money before leaving the darkroom to raise the amount. If they are used in stages, the quantity will not be affected at all.