If you want to apply for installment payment, and you apply by SMS, you can only apply for bill installment. Bill installment refers to applying to CCB for installment payment of bill consumption amount from the billing date to the final repayment date (only once every 30 days). The minimum application amount is 500 yuan, and the maximum application amount does not exceed 90% of the total consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by CCB), which is the whole bill.

The application method is simple. From the second day after the bill date to the final repayment date, you only need to send a short message "CCZZ# Card number # Amount # Last 4 digits in the two-digit period" with your mobile phone registered in the CCB system (this is seen in the frequently asked questions on the CCB credit card website) and edit this short message. Remember that it must be numbers, not Chinese characters. Let me give you an example. Suppose your card number is 1234, the amount you need to apply for is 5000, and the issue quantity is 12. The short message should be: cczz #1234 # 5000 #12. You just need to edit it and send it, and the bank will confirm it by SMS after accepting it.