Usually, after the installment, some transactions in the installment amount are returned, and the money is returned to your account. However, this does not affect your installment business. You can just make repayment normally according to the bill. In fact, it is a bit unreasonable, because your installment fee is charged at one time, and there is no way.

if it is a single consumption installment applied before the bill date, the current bill needs to repay the principal and handling fee of the first installment. If the bill installment is applied after the bill date, the first installment of the bill installment can only be repaid in the next bill cycle for the part that cannot be phased in this period.

a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

Extended information:

By filling in the credit card application form, the contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information, etc. And submit certain copies of certificates and certificates to the issuing bank. After the customer fills in the application form truthfully, he should submit the completed application form and relevant credit certificate.

the application forms are accompanied by a credit card use contract, and the applicant authorizes the issuing bank or relevant departments to investigate its relevant information, and submit a statement on the authenticity of the information, the issuing bank's privacy protection policy, etc., with the applicant's autograph.

after the bank of communications credit card application is approved by installment, it is not necessary to repay the installment in this period, but the principal and handling fee of the installment will be repaid in the next period. The provisions on installment payment of Bank of Communications are as follows:

1. If the cardholder calls the customer service hotline of Bank of Communications to apply for installment payment, it is equivalent to the cardholder accepting all the terms of the business. Bank of Communications has the right to independently decide whether to agree to the application for installment payment according to internal business regulations and business judgment.

2. The transaction that has successfully applied for consumption installment is irrevocable. In case of return, the recorded installment fee will not be refunded.

3. The installment principal payable for each installment is equal to the consumption amount applied for installment (hereinafter referred to as "installment amount") divided by the number of installments, and the installment fee payable for each installment is equal to the installment amount multiplied by the monthly fee rate. The installment payment principal shall be calculated to the nearest yuan, and the installment fee shall be calculated to the nearest yuan.

if the amount of principal to be repaid in each period cannot be divisible by the number of periods, the amount will be split by rounding off decimals, and the difference will be adjusted in the last period. If there is partial over-repayment in the current period, the installment payment amount is the consumption amount minus the over-repayment; if it is less than 5 yuan, you cannot apply.

4. When the cardholder fully repays the amount payable in the current period listed in the bill before the due repayment date, the principal payable in installments in the current month can enjoy an interest-free period; The installment fee will be fully credited to the minimum monthly repayment amount of the credit card and should be repaid on schedule with the principal.

if the applicant fails to repay the loan on time, Bank of Communications has the right to charge interest according to the overdraft interest rate and interest-bearing method of the credit card, and charge relevant fees according to the charging standard and charging method of the credit card.

5. those who meet the conditions for the extension of the installment payment by Bank of Communications may apply to Bank of Communications for the extension of the installment payment business, and each installment payment can only be extended once at most. If the cardholder's account is in an abnormal state stipulated by the Bank of Communications or the cardholder has paid off the installment principal, the extension business cannot be handled.

6. In case of over-repayment by installment, if the over-repayment is not enough to fully repay the principal of the next installment, the repayment is deemed as repayment of the final installment principal, with the number of repayment periods unchanged and the repayment amount of other installments unchanged.

if the principal of the next installment is repaid in full due to over-repayment, the repayment period will automatically decrease, and the handling fee will be charged according to the actual period; If the installment principal has been paid off, it shall be deemed as the end of the installment.

Baidu encyclopedia-credit card