1. The credit card holder calls the customer service of the issuing bank to apply for prepayment, and the prepayment can only be made after the approval of the issuing bank;

2. After the bank agrees to prepay, it will calculate the amount you will eventually repay, and then include it in the minimum repayment amount of the next bill. If the minimum repayment amount is sufficient, the installment can be terminated early.

Yes

If the bank doesn't agree, it is invalid to prepay on its own. If the repayment amount exceeds the current period, it will become excessive repayment. Not only can you not deduct the arrears, but you also need a handling fee to take out the money.

Second, after installment payment, CCB credit card users want to stop paying off all debts in advance through installment payment. There are two ways:

1. Call the customer service telephone number 95533 to apply for early termination, but all the remaining debts must be paid and the handling fee for each period must be paid before termination.

2. Log in to the Construction Bank APP, enter the installment credit card, and then click "Repay for yourself". Select all the installment bills on the next page, and then click Pay All. The handling fee generated by installment also needs to be deducted.

Operating environment: China Construction Bank 5.6. 1.

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The credit card installment payment method is as follows:

1. outlet processing: Cardholders can bring their ID cards and credit cards to the bank business hall, apply to the staff for credit card installment, and then fill out the application form, and then they can handle it.

2. Customer service telephone handling: the cardholder can call the customer service telephone of the credit card center, then connect the manual service according to the prompt, and then tell the staff to handle the credit card installment payment business, and provide the ID card number and credit card number as required.

3. WeChat cardholders can find the installment payment entrance in the menu bar below WeChat.

4. Online banking: Cardholders can log in to the issuing bank official website, find the credit card column, select installment payment service, and then log in to their personal accounts for processing.

5. The effects of credit card installment payment are:

1. Causes overdue repayment: If there are many credit card installments, you will inevitably forget to pay off the debts in time. Once overdue for a long time, it will be recorded as overdue repayment, which will affect personal credit information.

2. Impact on loan application: After credit card installment, each installment bill will be recorded as a current liability. When applying for a loan from a bank, the bank will analyze the personal debt. Once the debt is considered too high, the loan application is likely to be rejected.

3. Waste of personal property: credit card installment fee is very high, and the proportion of regular installment fee will be very large, resulting in unnecessary economic expenditure.