Legal analysis: installment payment: credit cards can support up to 24 installments of bills, which can reasonably solve the current financial pressure. Although they will charge a certain installment fee, sharing it equally every month will also ease the economic pressure on users to pay a large amount of fees at one time.

Minimum repayment amount: the minimum repayment amount of a credit card is generally 65,438+00% of the bill. As long as the user pays the minimum repayment amount before the repayment date, it is considered as normal repayment, so the user can make the minimum repayment amount when the repayment date comes, so as not to cause his credit card to be overdue.

Legal basis: Article 196 of the Criminal Law of People's Republic of China (PRC) convicts and punishes the use of forged, invalid, fraudulent use of other people's credit cards, malicious overdraft (refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank) and the theft of credit cards and their use in accordance with the provisions of Article 264 of this Law.