You can apply for staging. Credit card installment payment refers to the business that the cardholder uses the credit card to spend (above 600 yuan), and the issuing bank pays the consumption funds of the goods purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds by installments through the cardholder's credit card account according to the cardholder's application, and the cardholder repays the money according to the monthly recorded amount.

Credit cards have no credit limit, so cardholders need to save money before spending, because installment payment requires a handling fee. Since you saved the money yourself, you don't need to pay by installment.