What do you want to ask is the time limit for installment payment of overdraft credit cards in Australia? 12 months, 24 months or 36 months. According to Baidu's query, the term of credit card installment payment is 12 months, 24 months or 36 months, and the longest term is 36 months. The amount of credit card overdraft will also affect the term of installment payment. Usually, the larger the overdraft amount, the longer the term of installment payment.