Why do credit cards automatically pay installments? There are two situations for automatic installment of credit cards. One is that no matter how much you consume, it will be automatically divided into fixed installments for repayment. The other is that when the consumption amount reaches a certain standard, it will be repaid in installments. There are generally three reasons for these two situations, as follows: 1. Induced by customer service: For example, customer service calls you and invites you to apply for installment through various slogans. Common ones include offering 30% or 20% off the installment rate, or Therefore, the number of installments is long, such as a maximum of 36 installments, while others can only provide a maximum of 24 installments, etc. They will induce you to apply for installments. If you agree to be deceived, they will automatically apply for installments for you. 2. Automatic installment when the balance is full: When applying for a credit card, the terms are numerous and complicated, and few people will read them carefully. Maybe there is a clause about automatic installment when the balance is full. If you accidentally check it, as long as you If the consumption reaches the standard, installments will be automatically carried out. 3. Apply for an automatic installment credit card: China Merchants Bank, China Construction Bank, Industrial Bank, China Everbright and many other banks have automatic installment credit cards. This type of card itself has the automatic installment function. Any consumption incurred after processing, regardless of the amount, will The installments will be carried out automatically. All in all, there are only three situations where a credit card will be automatically installmentd. However, except for the first situation, installment-related terms are generally listed in the credit card application terms, so it is very important to understand the terms clearly before applying for a credit card. It is necessary.