Many Huishang Bank credit card holders will think of using credit cards to withdraw cash when they are short of money. However, they do not know that applying for a credit card can also provide cardholders with cash installment services. You can transfer the money within the credit limit to a debit card and then make installments. You can also enjoy the interest-free period for repayment, which is more cost-effective than withdrawing cash. However, many capable cardholders are only temporarily short of money, and when they have money, they will think of early repayment. Can Huishang Bank’s credit card cash installment be repaid in advance? Are there any handling fees for early repayment? Let’s find out together.

1. Can Huishang Bank’s credit card cash installment be repaid in advance? This is for sure. After all, banks do not stipulate that if you apply for cash installment, you must repay the loan on time. If you have money, you are naturally welcome to repay in advance, and they can lend the money collected to others. However, if you want to terminate the cash installment early, you need to apply to the bank and wait until the bank approves it. The best way is to directly call the 24-hour customer service hotline of Huishang Bank at 40088-96588, press 0 to transfer to manual service, and then apply to customer service for early repayment in cash installments. After verifying your information, customer service will calculate the remaining principal and other fees you have to repay, and include the total fees into the minimum repayment amount of your next bill. You only need to make the final payment of the next bill to pay off the bill amount. Your installment will be automatically terminated after successful repayment.

Is there any handling fee for early repayment of Huishang Bank’s credit card cash installment? According to what we have learned, if Huishang Bank's credit card cash is repaid in advance in installments, the handling fees for the remaining unpaid installments will not need to be paid, but the handling fees already collected will not be refunded. However, in addition to paying off the remaining principal in one lump sum, you also have to pay the undistributed portion of the installment as an early repayment fee.