In addition to the repayment method of full repayment, credit cards have two repayment methods: minimum repayment and installment repayment, and these two repayment methods are paid off in several installments. . Both repayment methods allow you to repay all the debt before the debt repayment date without affecting your personal credit, but a certain amount of interest will be charged.

1. Installment payment. Each bank has different number of installments and installment rates. You can call the bank’s customer service hotline or go to the bank’s official website to check. Generally speaking, banks have different periods for you to choose from, while other banks have no choice, so you should choose the period that best suits you based on your situation.

2. It is the minimum repayment. The minimum repayment number is the smallest, but daily interest will be generated. If the repayment amount is less than the minimum repayment amount stipulated by the bank and exceeds the time limit, Non-repayment will be treated as overdue. Different banks have different daily interest rates.

If you choose these two repayment methods, you need to apply to the bank. The general application method is as follows:

1. Go to the bank counter to apply for installment repayment, or the minimum repayment method , you need to bring your own long-term resident ID card and credit card. Since bank registration will take time, this method is not recommended.

2. Call the customer service hotline of the bank where the credit card belongs to apply. If the hotline is equipped with a self-service application button, follow the instructions on the phone, otherwise it will be transferred to manual service for application.

3. Send the text message to the bank to apply, follow the steps prompted by the text message step by step, and the application can be successful.

4. Select the installment repayment or minimum repayment method directly on the bank’s official APP repayment interface.