If your credit card is overdue, call 12378 to help with installment arrangements.

Credit card installment methods:

1. Bill installment. Bill installment is a behavior in which a cardholder who is unable to repay the debt in one go applies to the bank to return the amount consumed in the current period to the bank in installments at certain intervals, and the bank charges a certain proportion of installment fees. This is the most commonly used method of credit card installment, which can help cardholders relieve the pressure of repayment in the current period. However, only the current consumption amount can be installmentd. Cash withdrawals, various interests, and fees are paid in installments. No interest will be charged for installment, but handling fees will be incurred. Moderate bill installments can also contribute to the bank and help increase credit card limits;

2. Consumption installments. Consumption installment means that after the cardholder swipes the card for consumption, when the consumption amount reaches the bank's conditions for applying for installment, if it cannot be paid off in one go, the cardholder can apply to the bank to divide the consumption amount into multiple repayments. The consumption installment of credit card is similar to the installment payment in Alipay Huabei or JD Baitiao. Perhaps many people prefer to use the latter two, but do not know that credit cards have similar functions;

3. Cash installment. Cash installment is a behavior in which the cardholder applies to convert the credit limit in his credit card into cash and transfers it to the debit card account designated by the cardholder. When repaying the loan, the cardholder must return it in time according to the installment conditions agreed by both parties.

Legal basis: Article 18 of the "Credit Card Business Management Measures"

The maximum overdraft period of a credit card is 60 days.