After the installment payment of China Merchants Credit Card, the corresponding amount is temporarily frozen, the first installment is repaid, and the first installment is unfrozen. The remaining amount can be used freely, and the installment amount can be used after the installment is thawed.

Credit card installment method of China Merchants Bank:

1. Telephone application: you can call 400-820-5555 directly. After completing the authentication, you will be informed of the installment amount and number required by the customer service, and the system will immediately review it, and the customer service specialist will inform the application result.

2. SMS application: you can edit the SMS "AG# amount # period" and send it to 1065795555 (mobile users) or 10655020 1009555 (Unicom users), and the system will apply immediately and send a SMS to inform the application result.

3. Online application: You can log in to China Merchants Bank's credit card online banking, select the "installment financing" page, enter the "bill installment", enter the installment amount, select the installment number, and the system will immediately review and automatically inform the application result.

Precautions for credit card installment repayment of China Merchants Bank:

1, credit card installment will charge a certain fee, and once the installment application is irrevocable, if it is necessary to terminate the installment in advance, the fee will still be charged;

2. In addition to installment payment, if you can't pay in one lump sum, you can also choose to pay at least the minimum repayment amount, which will not affect the credit history of the cardholder in the current period, but you will charge interest of five ten thousandths per day.

Installment repayment is an agreement between users and banks. The bank will help the cardholder pay the money to the merchant in one lump sum, and then slowly collect the installment repayment. However, it usually takes a lot of money to apply for installment.