Does Huishang Bank’s credit card cash installment limit occupy? Generally, whether a credit card cash installment occupies the limit depends on what kind of installment it is. For example, cash installments outside the credit limit will not occupy the credit limit, but cash installments within the credit limit will occupy the credit limit. As far as we know, Huishang Bank's credit card cash installments fall into the second category, which are installments within the available limit, so they will occupy the credit limit. According to what we know, Huishang Bank's credit card cash installment is to transfer the money within the available limit to the debit card account of your counterparty, which is equivalent to borrowing money within the credit limit, so it will cause problems as you process it. The available limit on your credit card is reduced. However, part of the credit limit will be released with each installment, and the full credit limit will be restored when all is paid off.
For example, suppose your Huishang Bank credit card limit is 30,000 yuan, and you plan to apply for 20,000 yuan in cash installments, divided into 12 installments. After the handling fee of each installment is successfully processed, the occupied 20,000 yuan will be subtracted. Your available credit is only 10,000 yuan. But with each repayment, part of the credit will be restored. For example, the available amount after repaying one installment is 10,000 20,000/12 20,000 yuan. The above is the relevant introduction of "Does Huishang Bank's credit card cash installment limit occupy? How long does it take to restore the limit?" I hope it will be helpful to everyone. Because the Huishang Bank credit card cash installment will occupy the credit limit, it is best not to apply if your credit limit is too low, and the installment fee is also relatively high. It is recommended to consider it carefully before applying.