Hello, if you hold a China Merchants Bank credit card, you can withdraw the credit card limit at one time and then apply for bill installments. You can apply for bill installment by sending a text message, logging into credit card online banking, or calling the customer service hotline 4008205555 to transfer to a service specialist.

Handling fee per period = total installment amount × handling fee rate per period. The minimum handling fee per period is 5 yuan, 0.9 per period for 3 periods, 0.75 per period for 6 periods, and 0.75 per period for 10 periods. 0.70, 0.66 per period for 12 periods, 0.68 for 18 periods, and 0.68 for 24 periods. Whether the application for bill installment is approved shall be subject to the comprehensive assessment result of our bank's credit card center.

After the bill installment application is successful, the current bill only needs to repay the amount other than the bill installment, and the principal amount payable in the first installment (principal payable in each installment = total installment principal ÷ number of installments) And the handling fee will be reflected in the next month's bill.

Once the application for bill installment is approved, it cannot be canceled and the installment amount and number of installments cannot be changed. The unpaid installments in the bill installment business that have been successfully processed need to be paid off in advance. If you need to do it, you can Call our credit card customer service hotline to apply. After the application is approved, the undisbursed principal and handling fees must be settled in one go, and the bill amount needs to be repaid in one go. (Business cards do not have installment business)

The following transactions cannot apply for bill installment: cash advance transactions, installment transactions and various fees (such as annual fees, interest, late fees and other credit card charges), real estate transactions, Pre-authorized transactions and other transactions specified by our credit card center. (Business card does not have installment service)