Hello, you can directly choose installment shopping when shopping, and there is no need to apply separately. For installment purchases, the amount of the product will be deducted from your credit card at once and repaid in installments. Credit card installment purchases are interest-free. The handling fee needs to be verified with the merchant. Credit card shopping mall purchases are also free of handling fees. If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search the number "cmb4008205555" in WeChat to follow "China Merchants Bank Credit Card Center" for consultation. Thank you for your interest in China Merchants Bank The bank’s attention and support!