With the passage of time, people have become less averse to using credit cards. However, since it is a credit card, it must be repaid. If the overdraft amount in the current month is greater than the repayment ability, it will easily lead to overdue. At this time, using credit cards to repay in installments can alleviate people's repayment pressure to a certain extent and avoid overdue influence on personal credit records.

what are the credit card installment methods?

there are two main credit card installment methods in China, one is special installment method, and the other is within the limit installment method. The special installment here generally refers to the special quota applied for a certain consumption outside the total credit line of the credit card, such as decoration, education, study abroad, car purchase and so on. In-line installment refers to the installment of the credit line of the credit card itself, including bill installment and cash installment. This installment method is also the most commonly used one, which can alleviate the repayment pressure and avoid overdue.

so who are suitable to use credit card installment business? Some office workers who have just left campus and have found jobs, have a stable source of income in the future, and financial managers with subsequent asset changes are very suitable.

However, it should be emphasized here that Xiao Bian does not recommend using any credit products such as credit cards for students and friends who have no jobs. Even for students and friends who have graduated, it is not recommended if they do not have a stable source of income, so as to avoid the credit card being overdue due to the temporary consumption desire, which will affect their personal credit information and their future life.

However, for office workers who have just entered the society, there are generally many places to spend. Although the current salary is low, if the income is stable and the family has no financial burden, it is ok to spend a lot occasionally. Choosing the installment repayment method can spread the debt into several installments and will not affect the subsequent normal life. For friends who have financial needs, the choice of installment repayment is mainly to alleviate the economic pressure during the period, and it is more cost-effective to use installment repayment as a financial management tool to solve practical problems and improve the income of fund consolidation.

well, that's all for the above. I hope everyone can develop the good habit of rational consumption and timely repayment, so as not to affect the credit investigation beyond the time limit.