Many cardholders often use their credit cards to spend uncontrollably, accidentally maxing out their cards, and thinking about installments when they have no money to repay, and they are divided into the longest installments, but they don’t know how many installments the bank can allow at most. Next, let’s analyze it.

What is the maximum number of installments that can be paid back if the credit card is maxed out? Each bank has different regulations on the number of credit card installments. Some can only be divided into 24 installments at most, such as Minsheng Bank, China Construction Bank, etc.; some can be divided into up to 36 installments, such as China Merchants, CITIC, Industrial Bank, etc. In addition, the credit card installment type also affects the number of installments. Taking China Merchants Bank as an example, if it is a consumption installment, it can only be divided into a maximum of 24 installments, and if it is a bill installment, it can be divided into a maximum of 36 installments. However, the specific number of installments is ultimately subject to the approval results of the banking system. Each person's qualifications are different, and the maximum number of installments may also be different. In addition to considering the number of installments, when maxing out your credit card, you also need to consider the installment amount. There are two points to pay attention to: One is the maximum installment amount. In addition to consumption installments, few banks can provide 100% installment payment for bill installments. Generally, the maximum is 95% of the eligible installment amount for the current period. The starting amount must also be taken into consideration, and some must be at least 500 yuan. It is best to call the bank to ask for this. One is the type of transaction amount that can be installmentd. Bill installment only supports the processing of new consumption amounts in the current period. Here you need to consider whether the over-limit limit is used to max out the credit card. If there is an over-limit limit, you need to repay it in one go. Yes It cannot be phased in. In short, repaying your credit card in installments can alleviate the pressure of repayment, but you may have to repay it in the current period after the installment is successful. If you are not sure how much you need to repay, you can log in to mobile banking and refresh your credit card statement, and the payment after the installment will be displayed. Amount due.