Credit card bill installment can generally be applied by calling the customer service center of the issuing bank or telephone banking, and cardholders can also apply for installment payment through offline outlets, bank online banking, telephone banking and mobile banking. Although banks are introducing bill installment, it doesn't mean that every cardholder can pay by credit card. After receiving the application, the bank shall comprehensively evaluate the credit status of the cardholder according to the credit limit of the cardholder and the cardholder's consumption credit record. If the assessment passes, the cardholder can make installment payment smoothly; If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or fail to give the cardholder the amount of installment payment he wants. Cardholders can fully consider their own financial situation and apply to the bank for installment.