3 years, that is, 36 periods. To put it simply, the arrears should be paid off in installments within three years. Users can choose the number of installments when handling installment repayment business. Different banks have different regulations. Generally speaking, only a large amount of arrears can be repaid in 36 installments.

if the credit card is automatically phased, then the initial installment number is selected. Only when the minimum installment amount is reached can the consumption amount be automatically phased according to the set installment number.

what are the precautions for installment payment?

1. Before applying for installment loan, you need to read the contract carefully, especially the interest and default clauses.

2. Some services in the contract are optional and can be selected according to individual circumstances.

3. The installment fee is usually directly related to the number of installments, so choose the most suitable number of installments according to your personal situation.

4. Keep a clear monthly repayment date to avoid liquidated damages or bad credit records caused by overdue repayment.

5. Be clear about the conditions of prepayment, and know the expenses and calculation in advance.