In the case of China Merchants Bank's credit card, if it is impossible to apply for installment due to insufficient quota, it is suggested that the following methods can be adopted: (1) Apply for increasing the fixed quota; (2) If the amount is insufficient, the installment transaction is completed by depositing the corresponding amount of money (that is, overpaying the installment); This requires manual application. (3) Pay part of the money to the merchants in cash or other ways to reduce the installment amount; (4) Call to apply for bill installment after one-time payment, but the bill installment requires corresponding handling fees. Whether the application is approved or not is subject to the comprehensive evaluation results of our bank.