If the credit card bill of China Merchants Bank is in installments, the application channel is 1. Log in to the credit card online bank and select "cash installment" under the project of "installment financing" to apply. 2. Click here to log in to mobile banking immediately and apply for cash installment. 3.Pad bank channel operation: log in to Pad bank, click "installment financing" on the homepage, and select "cash installment" for processing. 4. Operation of Pocket Life Channel: Log in to Pocket Life Client and click "Cash installment" on the home page or "Cash installment" in the left column.