How to repay the credit card in installments? Credit card bill installment refers to an early consumption method in which the cardholder applies to the issuing bank for installment payment by telephone after swiping the card and before the repayment date. Whether the credit card owed by CCB can still be repaid in installments is analyzed as follows: 1. If the bill owed by CCB's credit card hasn't arrived yet and the bill hasn't been paid, you can apply for installment repayment after the sunrise of the bill; 2. If the credit card bill of CCB is overdue, you can't apply for installment repayment because the credit card bill can only be repaid in full; 3. CCB generally evaluates the credit status of the cardholder according to the credit limit of the cardholder and the consumer credit record of the cardholder. If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment or fail to give the cardholder the expected installment payment limit. In most cases, business credit card holders who have full civil capacity (citizens aged 65-438+08 in Chinese mainland) and have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph. The above contents are related answers. Credit cards can be paid in installments, but you still have to negotiate with the relevant banks. Each bank may have different regulations. If you say that your arrears are overdue for so long, you must pay them in one lump sum.

Legal objectivity:

Article 196 of the Criminal Law commits the crime of credit card fraud under any of the following circumstances, and if the amount is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years or life imprisonment, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan, or his property shall be confiscated: (1) using a forged credit card or using a credit card fraudulently obtained with false identification; (2) Using an invalid credit card; (3) Fraudulent use of another person's credit card; (4) malicious overdraft.