For transactions without bills, you can apply for installment payment from the trading day to the billing date of the corresponding bill at 19:30; For billed transactions, you can apply for installment from the next day of the current billing date to the due repayment date. If automatic repayment is set in your account, the application deadline is due repayment date 17: 00. If you have a phased plan for future transactions or bills, it is recommended that you use the planned phased function.