There is no such regulation as you mentioned in credit card installment of CITIC Bank. When did you buy it? How long has it been since your bill date? I'll give you the details of credit card installment of CITIC Bank. You can apply for interest-free installment payment of a single credit card within the time interval of two days after the credit card transaction (after the transaction is recorded) to three working days before the current bill date. If the customer service tells you that you can't do it by stages, then ask the job number and which clause is so required. If you really can't pay in installments in the end, you can choose to pay in installments after the bill or pay the minimum repayment amount, but the interest will be calculated from the date when your consumption is recorded.

Interest-free installment payment for single consumption provides interest-free installment payment service for cardholders to repay single consumption without accounting. After paying a certain handling fee, the cardholder can repay the unpaid single consumption amount in the current period in equal installments according to the number of installments applied by the cardholder, without paying the interest due to incomplete repayment.

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2. Installment payment cannot be used for the following transaction amounts:? The transaction amount that has been processed by installment payment (including but not limited to installment payment in shopping malls, installment payment by mail order, installment payment by single consumption, installment payment by bill, installment payment by cash, installment payment by car purchase, etc.). ); ? Dispute transaction, cash withdrawal transaction amount and various interest charges (including but not limited to handling fees, interest, late payment fees and other credit card charges, etc.). ); ? Transaction amount of foreign currency account; ? The transaction amount stipulated separately by CITIC Bank.

3. The cardholder must apply for a single interest-free installment plan within the time interval from two days after the credit card transaction (after the transaction is recorded) to three working days before the current bill date.

4. After the cardholder successfully applies for a single interest-free installment, the installment amount and the number of installments cannot be changed, and the unpaid installment balance cannot be applied for interest-free installment again.

5. For the single installment amount that the cardholder has successfully handled, the minimum repayment method cannot be selected for repayment.

6. After the cardholder successfully applies for a single interest-free installment payment, if there is a refund due to return or exchange, the cardholder must call the customer service phone of CITIC Credit Card to apply for cancellation of installment payment, and provide the corresponding valid shopping receipt for return and exchange. With the approval of the Credit Card Center of China CITIC Bank, the cardholder must pay off the unpaid installment balance in one lump sum. In any case, the fees collected/booked (including one-time full fees and installment fees) will not be refunded, and the remaining unpaid fees will not be refunded.

7. After the cardholder's application for paying off the unpaid installment balance in advance is approved by CITIC Bank Credit Card Center, the cardholder must pay off the unpaid installment balance in one lump sum, as well as the fees charged/recorded under any circumstances (including the fees charged in full at one time and the fees charged in installments).