Applying bill installments will not affect your personal credit, as long as you pay back the money in each installment on time. If you frequently apply for bill installments and repay them on time, it will be helpful to your personal credit accumulation in this bank, and the limit may be increased in the future. The China Construction Bank credit card I have often offers a discount on the bill installment fee, and now it is 10% off. I applied for the bill installment after making a large payment, and the handling fee is not much. Last month, I applied for 10,000 yuan and paid it back in 18 months. The monthly handling fee is only 10,000*(0.6*0.9)=54 yuan, which I personally think is very cost-effective.