CMB credit card installments can be returned in full in advance, but cardholders need to call the customer service of the CMB Credit Card Center in advance to help settle the installments in advance.

According to the announcement on the official website of China Merchants Bank Credit Card Center, the handling fee for each installment of China Merchants Bank’s credit card bill = the total installment amount × the handling rate for each installment. The total principal amount of the installment is amortized monthly, and the balance is included in the last installment. The installment amount and handling fee of each installment are also recorded. Therefore, if the installment is terminated early, installment handling fees should not be charged for the unpaid installments. You need to ask customer service specifically about interest issues.

Can I repay the loan in installments in advance?

You can apply for early repayment, but the installment interest will not be less. At present, all banks have opened the early repayment business for credit card installment payments, but the early repayment mentioned by the bank refers to the early termination of the installment payment. If there is a handling fee for this installment, the fees already collected will not be refunded, and the fees that have not been collected will be collected together, that is, the interest will not be reduced even if the loan is repaid in advance. For example, a credit card is divided into six installments, with a handling fee of 30 yuan for each installment. If two installments have been paid, an interest of 60 yuan will be charged. If you repay the loan early at this time, you will also be charged interest for the remaining four months.

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