If you want to pay in installments with a credit card, you can choose to pay in installments when paying, or you can choose to pay in installments when repaying the credit card after paying in full. When the user chooses to pay in installments, the number of installments will be set on the payment page, and the user only needs to swipe the card. After paying in full, users can choose bill installment, so that they can repay in installments.

In fact, installment payment and installment repayment are essentially credit card installments, and the effect is that the user repays in installments. The user can choose any installment method.

Credit cards can be repaid in up to 36 installments, and most banks can be repaid in up to 24 installments. After the credit card is installed, you need to pay the installment fee. Although the monthly repayment pressure is reduced, the total repayment amount increases. And frequent installment business is also a sign of the user's poor economic status. In fact, this is not conducive to repayment.

Some users believe that by handling installment business, banks can receive more handling fees and are more willing to increase credit card limits. This understanding is wrong. When a bank raises a user's credit card limit, it mostly refers to the user's credit report, repayment ability, credit card usage, etc.

There are many loan platforms on the market where people can apply to borrow money, and each loan platform has its own characteristics and audience. If we want to count and rank these loan platforms, it is indeed a relatively large project. I spent a few days taking stock of the top ten conscientious loan platforms, which can provide loan amounts up to 500,000 yuan. Let’s take a look!

Du Xiaoman

Du Xiaoman is a small loan product under the original Baidu Finance. It holds a financial license issued by the China Banking and Insurance Regulatory Commission and has private lending qualifications. After users download Xiaoman, they can choose any loan product that suits them and then borrow money. Du Xiaoman’s lowest daily interest rate is 0.02%, click to apply online for a maximum of 200,000! The entire process is conducted online and supports borrowing and returning at any time.