China Construction Bank has a national free repayment telephone number. This is a way and should be put on your bill. Another way is to call the local CCB Bank Card Department to apply. Both of them can apply for installment repayment by telephone. Anyway, if it doesn't take more than a month, there should be no problem. If the application is made for 12 months, the annual loan interest will be deducted from 72 yuan, which is 83.4 yuan per period.