Use a China Merchants Bank credit card to purchase a mobile phone in installments on Taobao. The specific process is as follows:

1. Log in to your Taobao account: First, make sure you already have a Taobao account and have bound it to China Merchants Bank credit card. If you don’t have a Taobao account yet, please register one first.

2. Select a mobile phone: Enter the brand and model of the mobile phone you want to buy in the search bar on the Taobao homepage, and then press the search key. Find your favorite mobile phone in the search results and click to enter the product details page.

3. Select installment: On the product details page, find the relevant information about "installment payment" or "installment purchase". Confirm that China Merchants Bank Credit Card is one of the optional installment banks. Click "Instalment Payment" or "Instalment Purchase" and select the number of installments that suits you (such as 3 installments, 6 installments, 12 installments, etc.).

4. Confirm the order: After selecting the number of installments, you need to confirm the order information, including product price, number of installments, repayment amount per installment, etc. After confirming everything is correct, click "Submit Order".

5. Fill in the delivery information: On the order submission page, confirm and complete your delivery address, contact information and other delivery information.

6. Payment order: On the payment order page, select China Merchants Bank Credit Card as the payment method. Enter your credit card number, expiration date and CVV2 code. After confirming that the payment information is correct, click "Confirm Payment".

7. Waiting for review: After submitting the order, the Taobao seller will process your order and review it in installments. After approval, you will receive an order confirmation email and text message.

8. Receipt of goods and repayment: After receiving the goods, ensure that the goods match the description and complete the repayment within the specified time. You can repay through the official website of China Merchants Bank Credit Card, mobile banking or third-party repayment platforms (such as Alipay, WeChat Pay, etc.).

Please note that installment shopping may incur additional handling fees and interest. Please carefully understand the relevant fees before purchasing to ensure that your consumption is within an affordable range. At the same time, maintain good repayment habits to avoid overdue payments affecting your personal credit record.