China Merchants Credit Card can be divided into 36 installments, but only those with bills can be divided into 36 installments, and those without bills cannot be divided into 36 installments.

Among them, invoiced installments are 2, 3, 6, 10, 12, 18, 24, 36, and uninvoiced installments are 2, 3, 6, 10, 65438+.

Therefore, if the cardholder wants to repay in 36 installments, he needs to wait until the bill comes out before he can operate.

At present, after the credit card bill comes out, the cardholder can follow the following procedures:

1. Open the Pocket Life APP and log in to your personal account;

2. Click Finance-installment repayment and follow the instructions on the page.

In fact, I suggest that you try not to divide it into 36 installments, because although you can repay the loan in advance after installment, you still need to pay the remaining installment fee at one time. The single installment fee rate of 36 installments is 0.68%, so the installment fee is relatively high.

For example, if the cardholder repays 50,000 yuan in 36 installments, the fee to be repaid in each installment is 50,000× 0.68% = 340 yuan, and the total fee to be repaid in 36 installments is12,240 yuan.