Credit card overdraft consumption can be paid off at one time, or you can go to the bank to sign installment repayment, or you can ask for repayment according to the bank's monthly bill, depending on your actual needs.

Before the credit card is not used and there is no overdraft, you can't sign an installment repayment with the bank in advance, because the bank doesn't know how much you will actually spend, so how can you determine how much to repay you in installments?