The credit card installment quota is a large installment business provided by banks for credit card users. For example, the credit card special installment quota provided by China Construction Bank is to meet customers' consumer demand for household durable goods, cars, home improvement, travel and study. Usually, only the high-quality credit card holders of the bank have the opportunity to obtain the credit card special installment payment limit. The credit card installment amount usually does not occupy the credit limit of the credit card.

although the special installment line and the credit line of the credit card are independent of each other, the special installment line does not occupy the credit line, but the special installment line of the credit card is essentially related to the credit card. The special installment line of the credit card means that the bank provides credit loans to high-quality cardholders in the form of credit cards. Usually, only cardholders with good card habits and good qualifications have the opportunity to receive the invitation of the special installment line of the bank.

Although the special credit card line does not account for the credit line, it is also on the credit card. If users use the special credit card line, they must pay attention to repayment on time. Some banks use the special credit card line to directly repay the credit card account, while others need to return the special credit card bill independently. Therefore, the cardholder must be clear about the repayment method of the special installment limit, so as not to accidentally cause overdue and cause a series of adverse consequences.

to sum up, the credit card installment quota is a large installment payment service provided by banks for high-quality credit card users. As long as some high-quality credit card holders have the opportunity to obtain the special installment payment quota for credit cards, this quota is usually separated from the credit card quota and belongs to the independent quota provided by the bank, but it still belongs to the credit card business in essence. After using the special installment limit of credit card, it is necessary for the cardholder to repay the arrears on time according to the regulations of the bank, so as to avoid the adverse effects caused by overdue.

is the installment exclusive quota the same as the total amount?

the installment exclusive quota is different from the total amount. The installment exclusive quota is an independent quota, and users give priority to the installment special quota when handling installment. Only when the exclusive quota is exhausted can the total amount be used by stages. The total amount is the total credit line given by the system, that is, the maximum single consumption limit of the user, and the single consumption shall not exceed this amount.

generally speaking, the credit installment exclusive quota will be less than the total amount, and some users with excellent credit will have a larger installment exclusive quota.