Secondly, there is a 1% chance to get a student card, and the amount is only 1000 yuan, which is very low.
Third, you can't get the card directly after applying. You need to wait for approval. If it goes well, it will take about 20 days to receive a registered letter and send it to you.
Fourth, for installment payment, you should use a credit card for a period of time, at least 3 months, and keep a good credit record during this period, and then the credit card center will consider paying you by installment.
Basically, I advise you not to apply for it yourself. It's hard to approve. If your parents have a stable job and are not retired, just ask them to apply for a credit card with relevant materials and then apply for a card for you.