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Is the specialist who negotiates the repayment of China Merchants Bank’s credit card an internal employee of the bank?

Yes.

The shopping mall installment of China Merchants Bank Credit Card, also known as POS installment, means that cardholders go to shopping places, such as "malls" where installment can be purchased. When checking out, please show a credit card that supports installment payment in this shopping mall and indicate that you need to pay in installments. Then the cashier will swipe the card on a dedicated POS machine according to the number of issues required by the cardholder (such as 3 issues, 6 issues, 12 issues, etc., a few shopping malls support 24 issues). Note: Cardholder identity verification is required when making installment purchases in the mall, so remember to bring your ID card. Shopping mall installments are generally free of charge for three installments. The rates for 6 and 12 periods vary from bank to bank. Installment products can generally be purchased as long as they are normally sold in the shopping mall. In many cases, cardholders can also bundle multiple items together for checkout and then make installment payments.