Credit card (debit card) bill installments cannot be paid in full because this is stipulated by the bank. For example, the amount of cash withdrawal cannot be paid in installments, and interest cannot be included in the installments. If the user wants a full installment, he can only apply for a full installment for a single consumption. Therefore, when a credit card (debit card) cannot be fully installmented, it is because part of the amount cannot be participated in the installment.

After the user chooses installment, the amount that cannot participate in the installment needs to be repaid in full, otherwise the user will be considered overdue, which will affect his personal credit report.