Cardholders need to call the issuing bank 2 to 3 days before the repayment date, and the amount and number of installments applied for can be selected. However, although this repayment method is interest-free, it requires a certain percentage of handling fees. After choosing to repay by installments, you must still ensure that you repay in full and on time every month. Generally, if you miss the repayment period, it will cause overdue and lead to bad credit records. Moreover, if you want to repay in advance, the handling fee must be made up. Note: From the point of view of rate, credit card installment payment is not cost-effective, so consumers with repayment ability should try not to choose installment payment.