In Longka Credit Card bill installment business agreement, Article 3 of the basic clause stipulates that "the consumption corresponding to the overpayment and temporary limit cannot be used for bill installment, and the amount applied for bill installment shall not exceed 90% of the total RMB consumption of the latest bill".

In other words, not only the temporary quota cannot be applied for installment payment, but also the overpaid part cannot be applied for. Only a fixed amount can be used for bill installment, and the application amount cannot exceed 90% of the bill amount.

In the Terms of Longka Credit Card Consumption Installment Agreement, Article 3 of the Basic Terms stipulates that "the consumer who overpays and exceeds the temporary limit cannot apply for installment payment, and the cardholder can only apply for installment payment according to the full amount of the transaction, and cannot choose the installment amount at will".

In other words, neither overpayment nor temporary quota can be applied for consumption installment, and consumption installment can only installment the full amount of a transaction.

Note: The lowest installment of the bill is 500 yuan, and the lowest installment of the transaction is 1 1,000 yuan. The transaction installment needs to be applied 2 days before the bill date, and the bill installment needs to be applied before the final repayment date.

It is recommended to read the relevant clauses of bill installment and consumption installment before applying:

Bill installment:/installation/in-check-item.html

Consumption installment:/installation/in-bill-item.html