Credit card three times a year can be exempted from the annual fee of the following year. This discount generally does not include special cards such as business cards and car cards. The standard platinum card of CCB needs a high annual fee exemption, and it needs to be swiped 18 times a year to get rid of the annual fee.

When a cardholder uses a credit card to make a large amount of consumption, the issuing bank will pay the cardholder's consumption funds to the merchant in one lump sum, and deduct the consumption funds from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder will repay according to the monthly recorded amount.

In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

All card-issuing banks can basically support this staging method, and the application is simple. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills.

Banks will stipulate some special circumstances, such as speculative credit cards can not be successful in stages. So before the trial run, be sure to read the trial run manual carefully. The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.

Baidu encyclopedia-credit card