After the credit card installment payment is completed, the installment arrears will be paid off in one lump sum. If the money is not paid off, it will be recorded as a personal bad credit report.

Bad personal credit record:

(1) Ensure timely payment of arrears and all expenses;

② Bad records can be cleared automatically after five years, and loan business can be handled normally at that time;

(3) If the repayment is not made, the bank can trace it back once after five years, and the non-recording period will be increased by five years;

(4) If the circumstances are bad, it can be traced back to permanent preservation;

⑤ During the period of bad credit investigation, you can't buy train tickets or plane tickets to travel;

6. Loans and credit cards are not allowed during the period of bad credit investigation;

⑦ During the period of bad credit reporting, travel abroad is restricted to some extent.

The installment amount of the bill after the credit card installment cannot be continued, and it must be returned. If you don't return it, your credit report will show overdue records. The People's Bank of China is responsible for the management of credit reports. Once it is recorded in the credit report, all banks will see it, so it will be very difficult for you to apply for a loan from the bank.

In modern society, personal credit plays an increasingly important role. Once your credit is bad, it is equivalent to a stain on your life. Therefore, banks can't owe money. It's best to find a way to borrow some from relatives and friends and pay back the bank's money. Otherwise, you will regret it for the rest of your life.