Hello, if you use installment payment for shopping, our bank provides interest-free installment payment service to provide customers with preferential interest-free monthly payment. During the repayment period, customers use our credit card account to pay monthly, and they can enjoy the interest-free period as long as they repay in full according to the bill amount before the monthly due repayment date. However, there will be installment fees, and the specific charging standards can be used in shops. You can log on to our credit card website/click "Shopping by Stages" to inquire. Even if the installment is settled in advance, the fee will not be refunded. If you buy installment goods in the credit card mall through our credit card website, you don't have to pay the handling fee. When your credit card can be used normally, the installment amount is your actual available amount. For example, your current actual available amount is RMB 3,000, and the amount of installment transactions you can handle does not exceed RMB 3,000.

Shopping installment amount is your actual available amount. If your current actual available amount is insufficient, you can't make the installment transaction for the time being. I suggest you apply for increasing the quota first, and then try to handle the installment business. After the installment is successful, the installment amount will all take up your fixed amount. You only need to pay the installment amount on time every month, and the fixed amount occupied by the installment amount will be restored after you pay it back.

If you have any other questions, it is suggested to add "QQ" or "WeChat" to experience the function of the "micro-customer service" platform of the credit card, or telephone manual service consultation. Method 1: Search for "4008205555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend; Or WeChat search for "cmb4008205555" and pay attention to China Merchants Bank Credit Card Center. Method 2: Please call the credit card customer service hotline 8008205555 (fixed telephone only) or 4008205555. The cardholder should directly enter the ID number and inquiry password-then select "9" to enter the manual service. Thank you for your attention and support!