Many bank credit card installment businesses clearly stipulate that once the installment number is selected, the installment number cannot be modified, and the repayment can only be terminated in advance, but the remaining installment fees cannot be reduced or exempted, so it is necessary to choose the appropriate installment number.

Generally speaking, the less the number of installments in the same bank, the lower the total handling fee, but the higher the single-period rate, it is best to choose according to your actual situation. If it is only short-term financial shortage, you can choose less installments, if it is long-term financial shortage, or the number of installments is slightly longer.

It should be noted that after the credit card is divided into stages, there is still the available amount in the card to continue to use, and it can be divided into stages again after meeting the conditions of division.

Different stages of the same bank are different. Take the credit card of China Merchants Bank as an example. Installment methods include bill installment, unpaid installment, consumption installment and cash installment. Under these conditions, the longest installment of bills can reach 36 months, and the longest installment of unpaid bills, consumption and cash can be divided into 24 installments.

The key is whether all credit card transactions can be staged, such as the cash withdrawal part of a credit card, the interest generated cannot be staged, and the temporary quota cannot be staged. Consumption that has been phased cannot be phased in, and it needs to be paid in one lump sum after the bill comes out.