Credit cards can be repaid in installments.

When the cardholder is unable to pay off the debt on the repayment date, he or she can apply to the bank for installment repayment. The bank will charge certain handling fees and high interest for the installment repayment. Bank cards have different installments, and card holders can choose the installment that suits them based on their financial situation. This can prevent overdue payments from affecting your credit.

Instalment repayment means repaying the loan amount in several installments, repaying part of it every month, and paying off the debt within a certain period of time.