Credit card installments will not be included in the credit report. As long as the relevant users make repayment on time in each installment, it will have no influence on personal credit reporting. The credit report usually shows the credit card amount and the amount to be repaid, but does not show the specific installment number of the credit card. Only when the credit card fails to repay on time will the credit report be submitted. It should be noted that the handling fee for credit card installment repayment is the main source of bank profits, so proper installment repayment will not only affect credit reporting, but also benefit credit card withdrawal.

credit card installment refers to the process that when a cardholder uses a credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee. According to the cardholder's application, the bank will deduct the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder will repay them according to the monthly recorded amount. The disadvantages of credit card installment are: after credit card installment, the number of repayment periods will increase, so the risk of overdue will also increase, because the number of installment periods is too long, users will inevitably forget to repay; Each bill after credit card installment will become personal debt, and the high debt ratio will affect the subsequent application for loans; Credit card installment will reduce the monthly repayment pressure, which is not conducive to cultivating good consumption habits.