1. If the installment repayment is not implemented or within the cancellation time specified by the bank, you can call customer service directly or operate online to cancel the installment. It should be noted that not all banks can cancel the installment payment without executing the installment payment.

2. If the installment has been implemented and cannot be cancelled, you can choose to repay in advance, but prepayment cannot save the handling fee. The cardholder can call the credit card customer service to apply for prepayment by installments after applying for the current bill, and no extra prepayment fee is charged. The undistributed principal and handling fee of the cardholder's installment payment shall be fully included in the cardholder's current bill at the end of the application for early repayment, and fully included in the minimum repayment amount, and will not be allocated on schedule on the subsequent billing date.

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