Credit card installment payment, as the name suggests, means one-time consumption and installment payment (repayment). As for whether you want to negotiate with the bank or the merchant, let me tell you clearly that it is mainly with the bank.

Some banks provide shopping mall installment services in cooperative merchants. For example, CCB’s credit card cooperates with Gome, Suning, etc. When you pay at Gome or Suning, the merchant’s cashier will ask for your advice. If you want to make an installment payment, if you don't agree, then pay directly; if you agree, the merchant's cashier will handle the installment payment directly on the spot, and there is no need to apply with the bank. The installment fee is negotiated between the bank and the merchant, but the amount of the fee is different depending on the region and merchant. Generally, it will be much less than the interest generated by just paying the minimum repayment amount; the longer the installment payment period you choose, the higher the interest rate. The handling fee is correspondingly higher.

If you do not choose installment directly at the cashier, but apply with the bank, then it is a bill/single installment. After you pay with your card, you will be asked by applying to the bank or calling the bank whether you want to pay in installments. A certain fee will be charged. The rates of each bank are different. Bill installments are divided into bill installments and unbilled installments. A single installment is a single transaction installment.