1. For users who have the ability to repay in full, credit card installment is a pit, because credit card installment will generate a certain handling fee, and users will have to pay the handling fee when repaying in advance, and the installment interest rate is high, which requires more funds than full repayment, which increases the repayment pressure of cardholders.
2. However, for users who don't have the full repayment ability and want to increase the credit card limit, credit card installment is a more appropriate choice, which can solve the current financial difficulties of users.