Call the bank’s customer service hotline to submit an application to the customer service staff.

If you want to apply for a credit card in 60 installments, you can directly call the bank’s customer service number to apply to the customer service staff, and then negotiate with the bank. During the negotiation, you should clearly explain your personal situation and show that you cannot currently afford the repayment obligation in 60 installments. You can repay part of it first and then slowly repay it in installments.