installment cannot be applied for the cash withdrawal part. If it is all a consumption, you can apply for consumption installment, which should be completed the day before the billing date. If it is a lot of expenses, you need to apply for the whole bill installment, which can be completed between the next day of the current bill date and two working days before the final repayment date. There is a handling fee in installments. The number of periods in Huaxia is 1, 2, 3, 6, 9, 12, 15, 18, 21 and 24.