No, installment payment will not affect the credit card limit, nor will it create a bad credit record, nor will it affect future loans.

Requirements for bill installment application for China Merchants Bank credit card:

1. Bill installment application time

From the transaction date to the repayment date, you can freely choose Transactions under RMB or USD accounts are carried out in installments.

For transactions that have not been billed: You can apply for installment between the day the transaction occurs and 19:30 on the billing date corresponding to the transaction.

For bills that have been issued: You can apply for installments between the day after the bill date and the due payment date (for customers whose accounts have set up automatic repayment, the application deadline is 17:00 on the due payment date: 00).

2. Conditions for bill installment application

Applicants must hold a China Merchants Bank personal credit card master card, have good card usage records, and have no delays in current repayment. Customers who only hold commercial cards, business cards, purchasing cards, ANA guaranteed cards or supplementary cards cannot apply for bill installments at the moment.

3. Amount of bill installment application

When applying for RMB bill installment, the minimum application amount per time is not less than RMB 300; when applying for USD bill installment, the minimum application amount per time is not less than RMB 300. $100. After successfully applying for RMB or U.S. dollar bill installments, the principal of each installment and each installment handling fee will be credited to the RMB account, that is, the U.S. dollar bill installment amount will be converted into RMB according to the exchange rate specified at the time of application.