Credit card installment will indeed occupy the limit. When you choose to pay 5,000 yuan in installments, this consumption will fully occupy your credit limit, reducing your available limit to 0. During the installment period, this part of the credit is considered used and cannot be used for other consumption. The credit limit will gradually recover until your first installment is completed. With each repayment, your available credit limit will increase by a portion. This is a convenient way of spending, but it should be noted that it will directly affect your immediate available limit. The essence of credit card installment payment is that the bank advances the full amount of consumption first, and the cardholder then repays the principal and possible handling fees in installments. If you need to know more detailed operation mechanism, you can refer to the credit card installment payment explanation from Baidu Encyclopedia.