Card friends often go back on their word after handling the installment of credit card bills and want to cancel the installment. But different banks have different requirements for the installment cancellation of credit card bills. Except for a few individual banks, most banks cannot be cancelled after successful cancellation. This paper introduces the credit card installment business of Postal Savings Bank as an example.

Can the Postal Savings Bank cancel the credit card installment business?

There are two situations whether credit card bill installment can be revoked: one is that the bank has not implemented installment, and the other is that the bank has implemented installment.

First, the bill installment application is not accounted for.

The credit card billing installment service of Postal Savings Bank is more humanized. Unlike most banks, you can't cancel the installment as long as the installment is successful, but more like the Postal Savings Bank. As long as your bill installment hasn't reached the billing date, you can cancel the installment and apply to the Postal Savings Bank for cancellation.

It should be noted that the cancellation of the credit card bill of the Postal Savings Office will charge a certain fee. If the cancellation is successful, the installment fee charged by 20 yuan on the day of cancellation will be cancelled, and the installment fee will not be charged on the day of cancellation, and the corresponding original application consumption transaction will be resumed.

2. The bills applying for installment payment have been accounted for.

The installment business you handled has been accounted for, and cannot be cancelled. However, you can choose to prepay, unlike canceling the installment business, and the prepayment fee is charged monthly.

After the application is successful, for the installment transaction that has been successfully applied, you can call the credit card customer service or log in to the personal online banking to make prepayment in installments, without charging any extra prepayment fee. The undistributed principal and handling fee of the credit card installment shall be fully included in the current bill at the end of the application for early repayment, and fully included in the minimum repayment amount, and will not be allocated to the next bill.