Legal subjectivity:

If the user simply repays a certain period of debt in advance, then directly entering the repayment page and confirming the repayment amount is considered early repayment. If the user wants to pay off the loan in one lump sum, he or she needs to apply to the bank for early repayment. 1. How to operate early repayment of credit card installments 1. If the user simply repays a certain period of debt in advance, then directly entering the repayment page and confirming the repayment amount is considered early repayment. If the user wants to pay off in one go, he or she needs to apply to the bank for early repayment. After the bank calculates the amount of early repayment, the unpaid installment amount and handling fee will be included in the next bill. At this time, the user can pay off in one go. It's an early repayment. 2. Therefore, credit card supports users to repay in advance after installment, but whether early repayment can save handling fees depends on the final repayment amount. 2. What to do if you cannot pay back the installment amount of your credit card 1. Use the minimum repayment function. Every bank has a minimum repayment function. As long as the minimum repayment is paid, the bank will not charge late fees and will not affect your personal credit. However, interest will be charged for repaying the minimum, which is 50% interest per day. Therefore, as long as you repay the minimum, although the pressure will be reduced, compound interest will occur, which will be relatively troublesome, and it can only be used as a temporary delay. 2. Use the installment function. If you are under pressure to repay, you can directly apply for bill installments. Generally, banks provide 3, 6, 9, 12, 18, and 24 installments. You can choose the number of installments according to your repayment ability, so that you can Ease repayment pressure and won't affect your credit. 3. Change the billing date to extend the repayment period. The billing time cannot be changed casually. Generally speaking, it can only be changed once every six months. Some banks change it once a year, and some banks can only change it once. 4. Take the initiative to explain the situation to the bank and negotiate. If you are indeed unable to repay for a period of time due to special circumstances such as work, you can take the initiative to call the bank and explain the reason. Prove that you are not malicious in refusing to repay, but there is indeed a reason. Discuss whether you can delay the repayment. Do not ignore the bank by changing your phone number. , this way my personal credit is gone, unless I will never deal with banks again. 5. Overdue credit card repayments will have serious consequences, so overdraft consumption should be moderate. Although the biggest feature of a credit card is its overdraft function, it actually constitutes a loan relationship between the customer and the bank. Failure to repay when due may not only cause legal disputes, but also bear high penalty interest, and most importantly, Forming a bad credit record will have a negative impact on future work and life.