Taking Guangfa Credit Card as an example, the total credit line includes consumption line and installment line. When applying for installment payment, our bank will examine and approve according to the cardholder's credit card demand and credit status. After approval, the installment business may or may not use the approved credit card consumption limit.

Assuming that the fixed consumption limit of the card is 20,000 yuan, and there is no other consumption, the installment of 5,000 yuan will be handled. This installment requires a consumption limit of 5000 yuan, and the remaining consumption limit of 65438+5000 yuan can be used by credit card. The consumption limit of 5,000 yuan that has been used in stages will be released dynamically according to the cardholder's repayment and card use, that is, the credit card can be used to swipe the card and will be restored to1.50,000-20,000.

(Reply time: 2065438+August 20th, 2009. Please refer to the latest business changes announced by Guangfa official website. )