yes. Credit card prepayment by installment is also called handling fee, which is also called penalty. Unlike overdue, the penalty for prepayment by installment is charged according to the proportion of the remaining unpaid principal, generally 3%, which is included in the latest bill amount. Most of the fees charged for prepayment by credit card installment are for cash installment or special quota installment, because there is an agreed repayment period when handling. Although prepayment is not overdue, it is also considered as liquidated damages, which reduces the installment fee expected by the bank. In order not to lose money, the loss will be reduced by collecting liquidated damages.