Minsheng credit card can still be used if there is an available amount during the installment period.

The installment fee of Minsheng Credit Card: 3, 6, 9, 12, 18, 24.

Fee rate for free installment of bills: 0.82%0.7%0.67%0.67%0.67%0.70%.

If the consumption is 10000 yuan, divided into six installments, the calculation method is:10000 * 0.7%+10000/6 =1736.66 yuan, and the amount to be paid in each installment needs to be paid in six installments.