The frozen limit of ICBC credit card installment fees is equal to the total credit card limit minus the already consumed limit minus the frozen limit. According to the relevant information, ICBC's installment consumption will freeze the credit limit of the corresponding amount of your credit card, that is, if you spend 12,000, you will freeze 12,000, and the corresponding limit will be released according to the repayment amount of each installment. The available limit and the total limit of the credit card itself. The available limit is equal to the total credit card limit minus the spent limit minus the frozen limit.