Hello, if you are unable to apply for installment due to insufficient quota, it is recommended that you use the following methods: (1) Apply to increase the fixed quota; (2) The insufficient quota can be completed by depositing the corresponding amount. Installment transaction (i.e. overpayment installment); this needs to be applied through manual attempts. (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 result shall prevail.

I don’t know what kind of activity you are talking about about doubling empty card points. Can you give a link?

If you have other questions, please open the China Merchants Bank homepage www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.