Because the credit card has the function of overdraft consumption in advance, it is easy to lead to excessive overdraft consumption, which leads to the inability of everyone to repay the arrears on the repayment date. At this time, if we can choose the installment repayment method, it can not only reduce the economic pressure of users, but also avoid overdue, thus maintaining a good credit record.

Advantage 2: Credit card preferential withdrawal

Installment payment can make banks get more profits, improve users' contribution and help credit card repayment to some extent. However, when handling the installment, we must choose the appropriate number and amount of installment, and be careful not to be too frequent.

Disadvantage 1: fare increase fee

After all, the banking industry is not a charity and will not provide users with services that can avoid overdue for free. Moreover, from the date when the user applies for installment, the fee will be calculated on a daily basis until the user pays off all debts. It can be seen that the longer the overdue time, the more fees users need to pay.

Disadvantage 2: it will affect the result of card processing or card processing in the future.

Although installment payment can reduce everyone's financial pressure, the frequency of use should not be too high, otherwise the bank will doubt the user's spending power and repayment ability, thus affecting the user's future application or card application results.