There are two situations for China Merchants Bank's credit card installment shopping: First, if the merchant supports installment payment, the cashier will directly inform the merchant to make installment payment and determine the number of installments when swiping the card, and the cashier will directly operate for you (generally, the cardholder's ID card is required), and only need to repay when it expires; 2. If the merchant does not support installment payment, you can call the credit card service phone of China Merchants Bank to apply for installment repayment of the bill amount. Of course, the difference in the number of installments will also charge the corresponding handling fee. If there are installments and cash borrowed in advance in the bill, it will be deducted, and this part can no longer be installment.