Hello, if you have a credit card of China Merchants Bank, you can choose to shop in installments when you shop, and you can shop by entering the relevant information of the credit card. The credit card of China Merchants Bank can be used for shopping through Amazon, Suning.cn, Apple Online Store, Taobao (Tmall) and other cooperative websites. The credit card can be paid in installments. (There is no installment business for business cards) The cardholder can choose to repay the credit card by dividing it into 3 installments (months), 6 installments (months), 12 installments (months) and other installments according to the total price of the purchased goods or services. Our bank provides interest-free installment payment service, which provides customers with the preferential interest-free monthly payment. During the repayment period, customers use our credit card account to pay the price of the goods monthly, and they can enjoy the interest-free period as long as they repay the goods in full according to the bill amount before the due repayment date of each month. However, there will be installment fees, specific charging standards and available stores. You can log on to our credit card website /StepShop/ and click "installment shopping" to inquire. Even if the installment is settled in advance, the handling fee will not be refunded. If you buy the installment goods in the credit card mall through our credit card website, there is no need to pay the handling fee. When your credit card can be used normally, the installment amount is your actual available amount. The credit card installment number cannot be modified after success. If you need to settle the installment payment in advance, please call our customer service hotline to transfer it to apply for you manually. After the application is approved, the unpaid principal and handling fee shall be settled in one lump sum, and the bill amount shall be paid off in one lump sum if it appears in the next month's bill. (Business card has no installment business)