You can apply for installment. Credit card bill installment processing time: Transactions that have not been billed: apply for installment between the day the transaction occurs and 19:30 on the billing date corresponding to the transaction. Bill has been issued: For customers who apply for installment between the day after the bill date and the due payment date, and whose account has set up automatic repayment, the application time is from the day after the bill date to 17:00 on the due payment date. The following transactions cannot apply for credit card bill installments: 1. Cash advances, installments, real estate transactions, pre-authorization and other transactions specified by our bank; 2. Various fees: such as annual fees, interest, late fees and other credit card charges. The maximum amount for applying for credit card bill installment: no more than 95% of the total new RMB and USD card consumption in the current bill (excluding transactions that cannot be installmentd). The minimum amount to apply for credit card bill installment: no less than RMB 300 in RMB and no less than $100 in US dollars. You can apply multiple times within the processing time limit, and the total cumulative installment amount shall not be greater than the maximum installment amount, which shall be subject to the system evaluation results.