This has no impact because it is also one of the bank's businesses. Because credit card installments will generate interest, banks can make money, so installments are the result of performance, so the salesperson will tell the cardholder to make installments, which will have no impact. Because people in the bank will not choose to offend customers for certain performance.

At present, most credit cards, especially those for those who have just started working, do not have very high limits, maybe only a few thousand yuan. After swiping the card last month, it will be repaid in full on the repayment date of the next month. If they pay by installment, it is equivalent to increasing the handling fee. They originally needed to repay 5,000 yuan, but after installment, they may need to repay 5,200 yuan or 5,300 yuan. The interest rates will be different according to different credit card interest rates. In fact, this installment business is mainly to earn our interest expenses and increase the bank’s income.

Secondly, in order to prevent bad debts, banks will discourage these consumers from repaying in installments. Since some consumers obviously cannot afford the repayment amount, analysis shows that on the one hand, banks can take advantage of the opportunity to earn handling fees; on the other hand, after the repayment pressure is relieved, it will be easier for these customers to repay. , Therefore, if the single payment amount is too much and exceeds its repayment ability, it is more suitable for consumers to apply for installment.

1. The interest rates and repayment methods of credit cards are much more reasonable than some unknown small loans on the Internet. At the same time, it also has an interest-free opportunity of about 50 days. Therefore, between the card swiping date and the final repayment date, the funds do not need to cost any interest, but applying for installments will help to increase the amount to a certain extent. If necessary, it can be applied selectively, but we must ask the bank to work What is the interest rate for personnel installment payments.

2. However, considering the current consumption situation of most people, it is better not to use credit card installment easily, because credit card installment will not only affect our consumption concept, but also limit our future funds, so it is best to You should spend it after you have money. Unless you want to buy a house or a car, you can apply for a long-term large-amount loan.