Credit card installment will occupy the credit card limit. The credit card installment of most banks occupies the credit card limit. After the installment payment transaction is confirmed, ICBC, Bank of Communications, China Construction Bank and CITIC will freeze the full amount of consumption in their accounts.

Everbright, on the other hand, freezes the quota in full, that is, according to the repayment situation of each installment, releases the frozen quota in stages until the last installment or all installment balances are paid off in advance. GDB is between the two, and the quota is controlled by freezing and thawing according to the audit results.