The installment part of the credit card is the first installment from the following month, and the repayment is also required one month after the installment of the credit card. The repayment amount of the current month is: payable amount-installment amount. Because the installment amount of credit card is only about 90% of the bill amount, not all the arrears can be installment, and some amounts can not be installment according to bank regulations, such as annual fees, late fees, public utilities fees, hospital transactions, legal fees and so on.