China Merchants Bank's credit card can be divided into stages in JD.COM (as if there is Suning or something), and it does not occupy the quota. If you want to pay by installment, call the customer service on the day of installment and let it evaluate you. If the installment amount you want to evaluate is relatively high, the customer service will authorize your order, and you can apply for installment directly. If you can apply for installment, as long as your available amount is enough to pay the first installment.

I suggest you swipe your card carefully, get a clear understanding of each stage, carefully check whether there are other surcharges, handling fees, postage, etc., and see if it is too much, or if it is not explained, it is already in the total payment amount.

The installment fee of China Merchants Bank's credit card in JD.COM Mall is apportioned according to the amount of each installment. So the total price of one-time purchase and installment purchase is different.

Pay attention to repayment in full and on time to avoid other expenses.