The disadvantages of credit card (debit card) installment are: after credit card (credit card) installment, the number of repayment periods will increase, so the risk of overdue will also increase, because the number of installment periods is too long, users will inevitably forget to repay; Every installment bill of credit card (debit card) will become personal debt, and the high debt ratio will affect the subsequent application for loans; Credit card (debit card) installment will reduce the monthly repayment pressure, which is not conducive to cultivating good consumption habits.

Therefore, users can handle credit card (debit card) installment business, but they should choose the number of installments according to their actual situation and develop good consumption habits.