Hello, friend, I used to be a customer service member of Bank of China. Let me answer you one by one.

1. Telephone installment refers to submitting credit card related information to the merchant over the phone to achieve all the requirements. Online real-time installment payment service for purchasing goods or services. Cardholders can choose to pay in equal installments of 3, 6, 12 and other periods (months) based on the total price of the purchased goods or services, and repay the credit card amount on time in each period (month). Since you don’t have a credit card, and ordinary bank cards don’t have the installment function, you can’t make installment payments over the phone

2. The conditions for applying for a credit card are too long, so I won’t copy them for you. You can go to the official website of any bank. You can find it in the credit card column. Generally, the application requirements are the same except for the platinum card, which usually requires proof of income. If you want to apply, I will teach you a trick. You go to work at KFC and use your KFC work card to find the salesperson who runs the stall. They will help you get it done. Many of my friends do it like that. Don’t consider the Bank of China student card because it has a 0 limit, and you cannot apply for a limit or installment.

3. If an accident occurs and you fail to repay, I remember that if you fail to repay within 3 repayment days, you will be put on the blacklist, and then there will be phone calls for payment, etc. Haha, how can there be so many accidents? Cherish your credit record. The most important

4. There are many methods of installment, 1. Install installment on the website, some websites provide that function; 2. Make installment by calling customer service; 3. Install installment through online banking

That's it. If you don't understand, you can ask me and I'll explain it to you in detail