The minimum amount for applying for bill installment is 500 yuan RMB, and the maximum amount does not exceed 90% of the total RMB consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by the bank).
If your bill amount is 10000, you can only apply for 5000. There are several possibilities: 1, and your bill amount has a temporary limit. Suppose your permanent quota is 5000 and your temporary quota is 15000, then the maximum installment amount you can apply for is 5000 instead of 15000. 2. Your bill amount includes cash withdrawal and previous installment, and the cash withdrawal and installment cannot be used for installment. 3. You have handled the installment business, and the installment quota will occupy your quota. Suppose your permanent quota is 10000 and your installment quota is 10000. But if you have paid back 5000 yuan in installments, this 5000 yuan will occupy your quota, and this part of the quota will be restored after the installment repayment.
If you pay in installments after the bill date, you only need to return the bill amount minus the installment amount before the final repayment date. Suppose your billing date is 7th, your bill amount is 10000 on 2nd/7th, and you have handled the installment of 5000, then you only need to repay 5000 yuan before 2nd/27th, even if you repay in full, you will enjoy the interest-free period. If you don't repay the loan before February 27th, or if you don't fully repay RMB 5,000, even if you don't fully repay the loan, consumers won't enjoy the interest-free period. The bank will charge interest at the rate of 0.5 ‰ per day from the date when your consumption is recorded.