Legal analysis: Yes. If you need to cancel installment or prepay, you need to apply for installment settlement. Unpaid installment principal and handling fee need to be paid off in one lump sum. Early settlement cannot be cancelled. It is recommended that you give priority to installment settlement. If you insist on settlement, please call the credit card customer service hotline for manual processing. The cardholder can call the credit card customer service to apply for prepayment by installments after applying for the current bill, and no extra prepayment fee is charged. The undistributed principal and handling fee of the cardholder's installment payment shall be fully included in the cardholder's current bill at the end of the application for early repayment, and fully included in the minimum repayment amount, and will not be allocated on schedule on the subsequent billing date. Credit card is a special carrier card with consumer credit issued by commercial banks to individuals and units. It is a card with the name of the issuer, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature on the back. Note: If you paid all installment fees in the first installment of your credit card, even if you cancel the installment now, the fees will not be refunded.

Legal basis: Article 557 of the Civil Code of People's Republic of China (PRC) is terminated under any of the following circumstances: (1) The debt has been fulfilled; (2) The debts offset each other; (3) The debtor deposits the subject matter according to law. (4) Creditors are exempted from debts; (5) Creditor's rights and debts are owned by one person; (six) other circumstances stipulated by law or agreed by the parties to terminate. If the contract is terminated, the rights and obligations of the contract shall be terminated accordingly.