Does the subject want to ask: "Is credit card installment too cheat people?" ? Yes Credit card distribution is actually credit card installment payment. Before paying off, the bank will deduct money from the cardholder's credit card, which can be repaid in installments, but the bank will charge a certain handling fee for installment repayment. So amortization pit users. Installment payment means that when a cardholder uses a credit card to make a large amount of consumption, the bank will pay the consumer funds of the goods purchased by the cardholder to the merchant in one lump sum.