1, different in nature: installment cards are automatic installment cards introduced by banks for consumption. Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers. 2. Different amounts: When the cardholder uses the card for consumption by installment, as long as the amount meets the installment payment standard, it will be automatically installment. If credit card holders want to pay in installments, they should apply for it after spending. 3. Repayment is different: installment payment is part of the monthly repayment on schedule, and there will be installment fees for installment payment. The interest-free period of credit cards is about 20 to 50 days, and there is no interest on full repayment during the interest-free period.

Installment card is also a kind of credit card. The biggest difference between it and ordinary credit card is that it is automatically divided into stages after consumption. The quota of installment cards will not occupy the quota of credit cards, and the quotas between them do not affect each other and do not conflict with each other.

Credit card installment includes bill installment and cash installment. The commonly used credit card installment is bill installment, that is, payment is made by credit card first, and then the credit card is repaid in installments. Although staging can alleviate the urgent need, it is not flexible. Staging will generate a certain percentage of handling fees. After staging, 90% of bank bills will be repaid in advance, and all handling fees of borrowed funds still need to be repaid.

The so-called installment refers to the installment repayment of the credit card consumption amount. Generally, the repayment amount is equal every time, including the credit card consumption amount and handling fee. The charging standard of "handling fee" varies from bank to bank. Please consult the issuing bank for details.