First, you should confirm whether your credit card can be divided into installments, and call customer service to confirm (there is a customer service phone number on the back of the credit card), because some credit cards are allowed to be divided into installments after a certain period of use.

second, the application for installment has nothing to do with the bank, and it is not approved by the bank. After the credit card is received, it will be managed by the credit card center of the bank to which it belongs. Each bank's credit card center has a national 24-hour customer service hotline, and all credit card business is handled by the credit card center. Applying for installment is also to call the customer service hotline to submit the application, which has nothing to do with the application time of the day.

Third, swipe the card for 4. If the installment application is successful, the installment fee will also occupy the credit line, so 1 yuan is not left in the credit card, okay?

I hope I can help you.