After the installment repayment of China Merchants Bank's credit card, the credit card limit will be automatically restored. In essence, the installment shopping of China Merchants Bank's credit card is a part of the money paid by the bank for the customer, and the customer should repay the loan on a monthly basis according to the installment repayment plan. When the customer chooses to return the goods, the return amount will be deducted from the credit card bill, and the corresponding installment amount will also be reduced.