Yes, because installment payment will generate handling fee and interest, the total amount of principal+handling fee+interest of all installment payments must be less than or equal to your credit card limit!

If your credit card limit is 1000, and you want to buy something of 4000 yuan, then you must deposit 3000 yuan in cash first, and then apply for installment after swiping the card. You can deduct the installment payment from the down payment. After deduction, you can pay back monthly according to the bill!