If you are unable to apply for installment due to insufficient quota, it is recommended to use the following methods: (1) Apply to increase the fixed quota; (2) Complete the installment transaction by depositing the corresponding amount of money for the insufficient quota (i.e. Overpayment installment); this needs to be applied manually. (3) Pay part of the money to the merchant in cash or other ways to reduce the amount of installment payment; (4) After the one-time payment, call to apply for bill installment, but bill installment needs to pay corresponding handling fees. Whether the application is approved will be determined by our bank The comprehensive evaluation results shall prevail.