Under normal circumstances, how much the credit line of China Merchants Bank will recover after credit card installment is related to how much you repay. That is to say, the bank will restore how much you have paid, instead of restoring the previous credit line after you have paid the first installment.

If you have funds, you can also choose to repay in advance by installments, so that the installment amount can be fully recovered. However, the bank credit card repays in advance in installments, and the fees charged in previous installments are not refundable.

If you don't need urgent money, you'd better not apply for this credit card. Because this is also a small loan model, it will enter the credit list. When lending, banks will rate your credit and think that your economic ability is too poor, so you should always borrow small loans.