Credit card bill installment refers to an early consumption method in which the cardholder applies to the issuing bank for installment payment by telephone after credit card consumption and before repayment date.

For example, in July, the cardholder's bill was 24,000 yuan, so if the bill is repaid in installments 12, it will be 2,000 yuan per installment+single handling fee.

The installment of credit card consumption means that the cardholder can repay one or several expenses on the current bill in installments.

? For example, of the 24,000 yuan spent in July, including the cost of buying a computer is 5 100 yuan, then this 5 100 yuan can be repaid by installments through consumption, and each installment needs to repay 425 yuan+installment fee.

Note: credit card installment, no matter what type, generally needs to bear a certain installment fee. The credit card installment fee is converted into the actual annual interest rate, which is higher than the annual interest rate of general consumer loans. Therefore, if there is no special need, try to avoid repayment by installments. In addition, once the credit card installment is successful, it is usually impossible to change the number of installments, even if it is repaid in advance, because the handling fee paid is usually non-refundable.