Generally speaking, if your credit card is overdue or has many bad records, the bank may take measures to restrict the use of credit cards or seal them up.

But you are restricted or blocked just because you choose installment payment, which may have a certain impact on your credit rating. Therefore, before using credit card to pay by installment, you should carefully read the relevant terms and precautions of the bank and choose the appropriate installment period and repayment method to avoid adverse effects on your personal credit record.