First, credit card installment can be divided into several years at the longest.

Credit cards can be divided into several years at most, and the standards are different according to the different installment business.

1, generally divided into 3 months, 6 months, 9 months or 12 months, 18 months, 24 months, some banks support 36 months, but some banks only support 12 months at the longest.

2. Generally, merchants need to pay a certain handling fee in installments, which can be divided into 36 installments at most.

3. Large installment payment, usually when decorating a house or buying a car. In terms of the number of stages, 12 months, 24 months and 36 months can be selected.

2. Can credit cards be repaid in full in advance by installment?

Credit card bills can be repaid in full in advance by installments.

At present, many banks will charge some handling fees and late fees to users who want to repay in advance. Except for ICBC, most banks require cardholders to pay all the principal and service fees in one lump sum when repaying in advance.

ICBC stipulates that the credit card installment fee shall be charged according to the installment mode. If the repayment is made in full in advance, the remaining fees will not be charged. If the part is repaid in advance, the N-installment fee returned in advance will be reduced, and the fees already collected will not be refunded.

3. Which is better, credit card installment repayment or minimum repayment amount?

In fact, these two ways have their own advantages and disadvantages, but according to the survey, ordinary people still tend to repay by installments.

The advantage of the minimum repayment amount is that we can only pay 10% of the due amount, which reduces a lot of pressure. But the disadvantage is that after we choose the minimum repayment amount, the remaining principal will be charged a certain interest. The calculation method of interest is daily interest, monthly compound interest and full interest, and the cardholder needs to bear high costs.

The advantage of installment payment is that you can divide the current bill into more installments, so that your repayment pressure will be less, and you don't have to pay the first installment. But the disadvantage is that you still have to pay a handling fee, which is much lower than the minimum repayment amount.

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