When the credit card users of China Merchants Bank apply for installment, the system will determine the number of installments of the users after review. Users can apply for online payment installment service of China Merchants Bank if they spend more than the amount specified by the bank once using the bank credit card.

Credit card users of China Merchants Bank can apply to the bank for installment repayment when they are unable to repay on the repayment date. Although there are interest and handling fees, they can avoid overdue.