Credit card installment service cannot be operated through ATM. What do you want to buy by installment? If the mall where you buy things cooperates with the bank where your credit card is located, tell the cashier in the mall that you want to pay by installments before using your ID card, and then the mall will pay you by installments. In another case, how much money the bank gives you can be paid in installments. In this case, after you swipe your card, you call the bank and ask for installment payment.