Most banks charge fees, and only a few banks are exempt from installment fees for early repayment, but the installment fees already charged are non-refundable, such as the Agricultural Bank of China. The Agricultural Bank of China stipulates: "After the credit card installment payment is terminated in advance, all the unpaid installment principal will be included in the current minimum repayment amount, and the installment fee charged by the cardholder will not be refunded."

Prepayment and handling fee collection method:

1. Most domestic banks charge credit card installment fees by installment deduction; In addition, most banks stipulate that credit cards should be repaid in advance in installments, and installment fees will not be exempted.

2. If the credit card repays in advance, you need to pay off the outstanding installment amount and handling fee in one lump sum. For example, the Bank of Communications stipulates that "if the installment needs to be ended early, the fees already paid will not be refunded, and the remaining fees will be paid in one lump sum".

Extended data:

Some banks charge a fee for prepayment:

1. Bank of China, the installment fee will be charged once in the first installment, and it will not be refunded once.

2. China Construction Bank, the handling fee is charged by stages. The cardholder has successfully processed the bill installment. If he applies for prepayment, he must pay off all the remaining principal and handling fee in one lump sum, and the installment handling fee collected will not be refunded.

3. China Merchants Bank collects service fees by stages. If you need to cancel the installment or prepay, you need to apply for installment settlement. Unpaid installment amount and service fee need to be paid in one lump sum, and early settlement cannot be cancelled.

4. In the case of Bank of Communications, the handling fee will be collected in installments. If the installment is ended early, the fees received will not be refunded, and the remaining fees will be paid in one lump sum.

5. Guangfa Bank will charge service fees in installments, and it is more convenient to prepay in online banking. After the prepaid registration is successful, the remaining unpaid service fee and principal need to be repaid in one lump sum.

6. Once the installment cancellation or prepayment application is approved, CITIC Bank must repay the outstanding installment principal. According to different business rules, 3% of the outstanding principal will be charged as the prepayment fee for the cancellation of partial installment business.

Agricultural Bank of China-About the collection method of prepayment fee for credit card installment payment.

People's Daily Online-It is inevitable that credit cards will be repaid in advance by installments.