In addition to full repayment, there are two repayment methods of credit card: minimum repayment amount and installment repayment, both of which are paid off in several times. Both repayment methods allow you to repay all debts before the repayment date, without affecting your personal credit, but with a certain interest rate.

First, installment payment, the number of installments and installment rate of each bank are different. You can call the bank's customer service hotline, or you can inquire at the bank in official website. Generally speaking, banks have different maturities for you to choose, others can't. You should choose the one that suits you best according to your own situation.

Second, it is the minimum repayment amount. The minimum repayment amount has the least repayment times, but it will generate daily interest. If the repayment times are less than the minimum repayment amount stipulated by the bank and the repayment is overdue, it shall be treated as overdue. Different banks have different daily interest rates.

If you choose these two repayment methods, you need to apply to the bank. The general application method is as follows:

1. You need to bring your long-term resident ID card and credit card to the bank counter for installment repayment or the minimum repayment method. Because bank registration takes time, this method is not recommended.

2. Call the customer service hotline of the bank to which the credit card belongs to apply. If the hotline has a self-service application button, please follow the instructions on the phone, otherwise it will be transferred to the manual service to apply.

3. Send a short message to the bank to apply, and follow the operation steps prompted by the short message to apply successfully step by step.

4. Choose installment repayment or minimum repayment method directly in the official bank APP repayment interface.