Frequent use of credit card bill installments will not directly affect your personal credit score, but if you fail to repay the installments on time, it will lead to overdue records, which will have a negative impact on your personal credit score. The following is a summary of the benefits and disadvantages of credit card bill installments:

Benefits:

1. Relieve financial pressure: spread large bills over multiple repayment cycles, reducing monthly The repayment burden makes financial arrangements more flexible, which is especially useful when facing temporary financial constraints.

2. Conducive to increasing the amount: For banks, installment business can bring additional fee income. Cardholders who repay installments frequently and on time are considered high-quality customers with high contribution to the bank, which may be beneficial to future credit card limit increase applications.

3. Does not affect credit report (provided repayment is on time): As long as each installment is repaid on time, credit card installment will not leave a negative record in the credit report. A good amortization history may even help demonstrate a stable repayment ability, which can be helpful to one's credit profile.

Disadvantages:

1. Incurring additional handling fees: Installment repayment usually requires a certain handling fee. The rates vary depending on the bank and the number of installments. Long-term It appears that these fees may significantly increase the total cost of repayment.

2. Reduce the available credit limit: The installment amount will occupy the credit card limit, resulting in a corresponding reduction in the credit limit that can be used flexibly, which may affect the cardholder's subsequent large-amount consumption needs.

3. Potential impact on card application and loan application: Over-reliance on installments or frequent installments even when the bill amount is small may cause banks to question the cardholder’s consumption habits and repayment ability, and may lead to Facilitates future credit card applications or loan approvals.

4. High annualized interest rate: Although the installment fee does not seem to be high per month, it is often higher when converted into an annualized interest rate, sometimes reaching an annualized rate of around 20, which means that the actual cost of installment is not high. Not low.

5. Dependence on psychology and financial management: Frequent installments may develop the habit of over-consumption and reliance on installment repayments, which is not conducive to the development of healthy financial planning and income and expenditure management capabilities.

To sum up, credit card bill installment has certain convenience as a short-term capital turnover tool, but it should be used with caution, weighing the pros and cons between the relief of economic pressure it brings and the additional costs. When deciding on installments, you should consider factors such as your repayment ability, handling fee burden, future funding needs, etc., and ensure you repay each installment on time to maintain a good credit record. If possible, prioritize repayment in full and on time to avoid unnecessary expenses and use of your credit limit.