The following two banks can be your choices when applying for a card.

1. Everbright Bank

Ebright Bank credit card can generally be used to make installments by simply swiping the card. It will automatically divide you into 12 installments, and there is only a 0.5% handling fee for a single installment. If you pay off in advance payment, future installment fees can be waived. There is no limit on the amount of their installments or any other conditions.

2. China Merchants Bank

China Merchants Bank credit card can be installed on-site at designated merchants such as Gome, Suning, Dazhong, etc. The installment fee is relatively cheap, and the installments can be divided into 3, 6, or 12 Period, the handling fees are 0, 1.5% and 2.5% respectively. However, this installment can only be done at designated merchants, and requires a purchase of more than 1,500 yuan.