That’s it, the total amount of the installment and the handling fee will be deducted in one go. But on your bill, you only need to pay back the installment amount each month. That is to say, there will be no available limit on your credit card. As the monthly repayments are made, the available limit will gradually be restored according to the repayment amount. It is gradually restored every month, not until the end of the installment.

According to bank regulations, you need to have sufficient credit limit on your card to apply for installment. Your deposit should not be eligible for installment. With the merchant's permission, you can pay in two installments, one using the available balance on your credit card and making installments, and the other using your other cards.