If the credit card installment business needs to be paid off in advance, the cardholder can contact the bank customer service staff to apply. Once the application is approved, the cardholder can return the undivided principal and undivided handling fee to the credit card. It should be noted that even if you choose to pay off the arrears in one lump sum, you still have to bear the liquidated damages and the service fees incurred.

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1. According to the regulations of the bank, a part of liquidated damages is required for early repayment of credit cards after installment, and no later handling fee is required for one-time repayment, but the handling fee paid before repayment is non-refundable.

2. Compared with the minimum repayment amount and installment repayment, it is best to pay off the credit card in one lump sum, so as to develop the good habit of using the card. For those who pay off their credit cards at one time, the economic conditions are better and it is more convenient to handle loan business.

After the credit card is paid off in advance by installments, the credit limit of your credit card will be restored to the original fixed limit, so don't worry about overdue repayment. Whether users should pay off their credit cards in advance depends mainly on their own needs.

If the user's credit card bill has been billed, the amount that has been billed will be returned in full, and the amount that has not been billed will be returned in advance, so that the credit card will be paid off at one time.