If it is a China Merchants Bank credit card, after the cardholder successfully applies for bill installment, the installment amount will be included in the bill starting from the latest installment after the installment. The handling fee for each installment will be recorded and included in the account at the same time as the installment amount. among the minimum payments. If the cardholder fails to repay the remaining balance of the current bill on time after the application is successful, it will be regarded as incomplete repayment, and the current bill will not enjoy the interest-free repayment period for consumer transactions.