No, you can only apply for installment after the installment is completed.

Credit card installment business is not the same type of business as loans. What it charges is a handling fee, not loan interest. With the popularity of credit cards, credit card installments occupy a large amount of bank funds. Taking into account the rise in capital costs, banks have therefore increased installment payment fees.

Credit card installment business is mainly divided into three categories: bill installment, single consumption installment and cash installment. Although it is said to be "interest-free", the installment fees cannot be underestimated, and some are even very high. Some handling fees are charged in advance in one lump sum, while others are repaid monthly along with the principal. For the one-time charge, if the user repays in advance, the handling fee will not be refunded.