Just apply for cash installment directly.

When a cardholder applies for cash installment, it is deemed to be applying for credit limit adjustment at the same time. Our bank has the right to evaluate and decide whether to adjust the credit limit of the credit card based on the cardholder's credit status and usage of the credit limit. Regardless of whether the cardholder accepts our bank's adjustment to the credit limit of his or her account, the cardholder is responsible for repaying the outstanding debts. When the cardholder settles the cash installment, our bank has the right to adjust the credit limit based on the comprehensive assessment.