Although credit card bill installment says no interest is charged, there is usually a certain handling fee for bill installment. After the credit card bill is divided into installments, it is worth noting that "interest-free" does not mean free. Moreover, the commission rate is often not as affordable as the surface figures seem.

Can credit card bills be repaid in advance after installment?

You can repay in advance.

1. Once the bill installment application is irrevocable, if you need to terminate the installment in advance, you need to call customer service to apply for early termination, and the arrears and handling fees of the remaining installments will be settled in one lump sum on the next billing day, requiring the cardholder to repay;

2. It should be reminded that the installment fee is non-refundable. Even if the installment is terminated early, the installment fee will still be charged.

Problems needing attention after credit card bill installment:

What should I pay attention to when I successfully apply for bill installment by credit card? This may be unclear to some cardholders. Next, let Bian Xiao give a detailed introduction to friends.

After the cardholder successfully applies for bill installment payment, the principal of bill installment payment will be fully included in the used credit line; Recover the available credit line according to the cardholder's repayment amount in each installment.

The installment principal and monthly handling fee of the bill installment will be fully included in the current minimum repayment amount. When the cardholder repays, the repayment of this business is better than general consumption.

After the cardholder successfully applies for the installment payment of the bill, the number and amount of the installment application cannot be changed or revoked. When the cardholder returns or cancels the transaction, he still needs to pay the principal and handling fee according to the bill installment business that has been successfully applied.

Credit card credit information content:

Nowadays, the second generation of credit information has been launched, and the content of credit card in credit information has increased a lot, which reveals the cardholder's credit card usage more comprehensively:

1, the repayment record of the credit card within 5 years will be displayed, which can reflect the personal credit situation more comprehensively;

2. The monthly repayment amount of the credit card will show that it is not feasible to make 0 bills for arbitrage in the card by prepayment;

3. After the credit card is cancelled, the repayment record will still be displayed, which means that the cancellation method of white credit information is invalid.

4. The large-scale special installment of credit cards will show that it is not feasible to hide real liabilities by installment.