Installment repayment is a very common repayment method for credit cards. If the credit card holder can't pay off the debt in one time, he can share the repayment pressure by installment and bear the installment fee required by the bank.

Many users are also worried that installment repayment will bring bad influence to themselves, so in fact, as long as users do not have irregular operations in credit card installment, there will generally be no irregular consequences.

However, if users step on several minefields, they may bring trouble to themselves.

1. Overdue repayment after installment:

The user's credit card shall not be overdue after installment. Once the credit card is overdue, the overdue repayment record will be reported to the credit bureau, which will affect other loans in the later period.

In addition to credit investigation, the overdue repayment of users' credit cards will also affect the credit limit of their own credit cards, and banks may reduce the credit limit of users or directly freeze their credit cards.

2. Frequent installment repayment:

If the user repays the credit card bill in installments every time, or the interval between installments is short, it will also affect his future use of the credit card.

Although banks like users to repay in installments, if users repay in installments too frequently, it means that their financial situation is not very optimistic, so they will definitely not get the withdrawal from the bank at this time, and when applying for other installment loans, other loan platforms will also consider the repayment situation of users.

Generally speaking, when users repay their credit cards in installments, as long as the above repayment situation does not occur, it will basically not have a great impact on themselves. Therefore, when repaying their credit cards in installments, we must also pay attention not to step on the minefield, resulting in adverse consequences such as the inability of credit cards to withdraw cash.