It seems that you don't quite understand the concept of installment payment. Let me explain something to you.

The premise of installment payment is that you have paid the transaction in full, that is to say, for a 3000+ mobile phone, you need to brush 3000+ at one time, and then call customer service to apply for installment. According to the current account on your card, you have two methods at present.

First, directly repay 2000+ to the amount just enough for you to buy a mobile phone. By the way, it can't be just right, but it needs more. As for the amount, it depends on how many applications you need. For example, if it takes three months, it will cost more than 3,000 yuan * six thousandths *3, which is about 50 yuan. If it's six issues, it needs more than 3000 pieces * six thousandths *6, which is more than 100.

The second is to call customer service. I don't know if your card is a gold card or a universal card (the amount seems to be a universal card). If it is a gold card, you can apply for a temporary increase in the quota. The increased quota can be used to buy a mobile phone, but it seems that the general card does not have this function. But you can try calling customer service to see if you can increase the credit card limit. If the increase is successful, I believe you can buy it.

In addition, I suggest that you don't take the minimum repayment amount, because in this mode, the unpaid amount will be charged a handling fee of six ten thousandths (please note that it is "daily") every day from the day of the transaction, so it is better to repay it in full. If you can't repay the loan in the current month, it's better to use the bill in installments. Of course, this is personal advice, depending on whether you have adopted it or not.