1. Cancel installment payment: installment payment service is no longer needed. You can contact Bank of Communications customer service to apply for cancellation of installment. Will guide to complete the necessary procedures and change the balance from installment repayment to one-time settlement.

2. Planning financial management: After the installment is completed, reassess the personal financial situation, make a reasonable consumption and repayment plan, ensure that the credit card balance will not exceed the tolerable range, and avoid excessive borrowing and high interest charges.