Hello, China Merchants Bank credit card installment payment occupies your credit limit based on the total installment payment amount. Therefore, your available limit needs to be deducted from the total installment amount. As your monthly installments are repaid, your available credit will gradually recover.

Instalment payment is only a payment method. Please negotiate with the merchant regarding product quality. As long as you complete the return procedures with the merchant, China Merchants Bank will refund part of the product price that has been repaid in installments and the handling fee corresponding to the return payment to your credit card account in one go.