You want to increase the bank’s credit towards you so that you can increase your credit limit in the future.

There is no interest if you repay it the next day or before the bill date is approaching, but repaying it immediately will not help you to significantly increase your limit in the future, because the bank will think that you are not short of money. The best way is to use it when you need it, and repay it in full the day before the bill date. Banks like this the most, and you don't have to pay interest at the same time.

There are two types of credit card bill installments:

The first is the issued bill installment: apply for installment after the bill is issued and before the repayment date.

The second is installment of unpaid bills: you can make installments for the unpaid portion before or after the bill date.

Bill installment only requires a small payment, and reducing the amount of each installment is very helpful in easing the repayment pressure. Banks also support this method.

When installing a bill that has been issued, take the 10th of each month for a credit card as the billing date and the 28th as the repayment date. Assume that the repayment amount for the bill issued on the 10th is 300 yuan, and the installment is carried out. operate.

If it is divided into three installments and each installment costs 10 yuan, the repayment amount for the current period is generally 0 yuan. From the next billing date, 110 yuan will be included in the bill, that is, on the next repayment date (28th) The 110 yuan needs to be repaid.

Take China Merchants Bank as an example. The bill installment process is as follows:

1. You can apply directly to a CMB branch (this is more troublesome and not recommended).

2. There are two ways to implement online operations:

1. WeChat method

(1) WeChat focuses on "China Merchants Bank Credit Card" to realize credit card and Binding between WeChat.

(2) Click "Check Accounts" in the menu below.

(3) The pull-up menu pops up and select "Bill Installment".

(4) In the pop-up information, "Click to process the installment of the issued bill" to installment the bill on the billing day; "Click to process the installment of the unissued bill" to installment the unissued portion.

(5) Select "Click to process issued bill installments" to proceed to the operation page.

(6) On the page, click the amount selection after "Apply for Installment" and select the specific amount of the installment; select the number of installments, and the installment repayment and handling fees will be displayed below.

(7) After confirmation at the top, select "Apply Now" at the bottom. After checking the information, the installment of the bill has been completed.

2. China Merchants Bank Mobile Lifestyle

(1) Log in to China Merchants Bank Mobile Life and select "Account Check and Repayment" in "My".

(2) The amount of the bill that has been issued will be displayed. For installment, click "Instalment Repayment" below.

(3) Installments can only be made if the bill has exceeded 300 yuan. Select the installment amount, number of installments, etc., click "Preview Order" below, check the relevant information, and then confirm to complete the bill installment.