What is the most suitable way to handle credit card installment payment?

Negotiate with the bank to choose stages according to your own situation. If the repayment cannot be made in a short period of time, the number of installments will be longer.

2. Repay according to the minimum repayment amount.

If you can't repay in full within a short time, you can repay according to the minimum repayment amount. Generally, as long as you pay 10% of the bill amount during this period, it will not affect the credit investigation, but will charge corresponding interest. However, it should be noted that it is not recommended to repay in advance after installment, because the handling fee is charged.

Step 3 borrow money from relatives and friends

It is still difficult to borrow money now, except for some relatives and friends who have a very good relationship, it is difficult to borrow money. It is suggested to give some interest or write an iou when borrowing money, and make a repayment plan to gain the trust of relatives and friends.

4. Revision of bill date

Modifying the billing date can extend the repayment period, which is equivalent to an extra interest-free period of one month. However, the requirements of each bank are different, so it is best to consult clearly when modifying the bill date.

In addition, if you really can't borrow money, you can apply for another credit card to solve the temporary difficulties. You can apply through some channels such as bank official website, bank outlets and third-party platforms, such as Chengjiu and New Financial Services.

1. Credit card, also known as debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing date.

3. Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.