Can I pay interest first and then pay principal in installments with a credit card? Generally, interest first and principal later are used for loans, and credit card installments are not applicable. As for why, I don’t know, but this is the bank’s regulation. However, there are two ways to collect bank handling fees: one-time collection and installment collection. The one-time collection means that the total handling fee is deducted in the first period, and then the remaining principal is repaid every month, and there is no need to pay any handling fees later. , if you choose to collect it in one lump sum, it can be regarded as interest first and then principal. However, if you repay in advance, the bank will not refund the handling fee. In addition, there are also many banks that provide deferred principal repayment services. You can defer the repayment of the eligible installment amount of this period. There are 1 to 3 periods to choose from. The repayment method is to repay all the handling fees in the first period and then in the last period. Returning part of the principal is somewhat similar to paying interest first and then principal, but this is not a credit card installment in the true sense. For example, suppose you apply for a deferred principal repayment on Industrial Credit Card and repay 5,000 yuan in three installments. In the first installment, you need to pay a one-time handling fee of 5,000* yuan, and in the last installment, you will repay the principal of 5,000 yuan. This is more like the interest first and then the principal, in which the handling fee of 225 yuan can be regarded as the interest that must be paid in total. The above is the relevant introduction to "Can I pay interest first and then pay principal in installments with a credit card?" I hope it will be helpful to everyone. The last thing to remind is that the installments that have been processed do not support the extension of principal repayment.