1. You can apply for installment after issuing the bill, and you don't need to return it first.

2. If you want to apply in stages, you may not all pass.

3. The installment is not necessarily divided according to the amount you need, or it may be that the installment amount is less than the amount you want to divide.

The following transactions cannot be used for installment payment:

1) Cash advance transaction, installment transaction, real estate transaction and various expenses (such as annual fee, interest, late payment fee and other credit card expenses);

(2) Funds that have been applied for purchasing foreign exchange;

3) Other transactions specified by the Credit Card Center of the Bank.

After applying for bill installment business successfully, your credit line will not be restored immediately, and the amount occupied by the corresponding transaction will be gradually restored with your repayment of each installment until the last installment or all installment amount is paid off in advance.

1. Credit cards have two concepts: billing date and repayment date (also called the last repayment date). Bookkeeping date is the date of transaction settlement in a bookkeeping cycle, and repayment date is a repayment cycle. Because you can't get back in touch with customer service, it doesn't rule out that you misunderstood the customer service staff's explanation or that the customer service staff's statement was unclear or even incorrect.

2. The repayment date is mainly used by the bank to judge whether the cardholder has a malicious overdraft tendency and judge the cardholder's economic situation. Therefore, repayment after the last repayment date will inevitably lead to overdue records. Whether this record can be changed from the central bank requires further consultation between you and the issuing bank.

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest. However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

4. The minimum repayment amount can be paid before the total recommended amount is paid, which will not affect the credit limit. At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account!

When a credit card (debit card) holder chooses the minimum repayment method or uses a card that exceeds the credit limit approved by the issuing bank, he will no longer enjoy the interest-free repayment period, and will pay overdraft interest calculated at the prescribed interest rate for the unpaid part from the bank bookkeeping date.