Credit card bill installment payment is a kind of credit card installment payment, which means that the credit card holder asks the credit card center to return the consumption amount to the bank in installments after swiping the card.
When the cardholder successfully applies for installment payment, the installment principal amount and the expected installment fee will be fully included in the used credit line, and the available credit line will be restored according to the installment amount that the cardholder should pay.
Extended data:
The untimely installment will seriously affect the increase of the quota.
1. Remember that the amount is too small or the number of installments is too long.
Although staging can make banks earn money, increase their contributions and temporarily ease our financial pressure, banks must never know that our funds are scarce. If the installment amount is too small or the number of installments is too long, it just exposes this problem.
2. Frequent or continuous repayment in installments for multiple billing cycles.
This is definitely negative for the increase. Cardholders who have made such continuous installment repayment must be in poor financial condition and have abnormal capital turnover. Of course, any bank we can think of can also think of it.
For banks, the cardholder's capital situation is abnormal, which may bring overdue risk and even inability to repay. Banks with sensitive risk control will definitely improve the risk control level of cardholders. The most direct performance is to limit the credit card installment function, which may be reduced if it is serious.
3. Credit cards with low credit limit use the staging function.
Although installment can make banks make money, installment repayment is a sign that cardholders lack funds. If a card with a credit limit of only a few thousand has to be repaid in installments, it can be seen how weak the repayment ability is. The negative effect of this operation is the same as that of too little installment amount or too long installment times, which is very unfavorable for later cash withdrawal.
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