Hello, if you are unable to apply for installment due to insufficient credit limit, we recommend the following methods:

(1) Apply to increase the fixed credit limit;

( 2) For the insufficient amount, the installment transaction can be completed by depositing the corresponding amount of money (i.e., overpayment installment); this requires manual application.

(3) Pay part of the money to the merchant in cash or other ways to reduce the amount of installment payment;

(4) After the one-time payment, call to apply for bill installment, but the bill Corresponding handling fees need to be paid in installments. Whether the application is approved shall be subject to the comprehensive assessment results of our bank.

From the perspective of consumption patterns, our bank currently has shopping installments during consumption and billing installments after consumption:

1. Shopping installments: choose installments through our bank’s special merchants Payment method to purchase specified goods or services. For specific installment payment standards and applicable merchants, you can log in to our credit card website/ and click "Financial Installment" - "Installment Shopping" to inquire;

2. Bill installment (only for business cardholders) Card holders or supplementary card holders are currently unable to apply): If the merchant where you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our bank's credit card, which can help you repay the consumption amount in your bill in monthly installments. For details, please log in to the credit card website/ and click "Financial Installment" - "Bill Installment" to inquire.

If you still have questions, please add corporate QQ customer service 4008205555 or add the public account "China Merchants Bank Credit Card Center" on WeChat for detailed consultation.