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Does the total amount of credit card installment payment must be less than the upper limit of the credit card overdraft amount?

Of course it cannot exceed the available quota. If the total quota is 5,000, you can only buy goods below 5,000. If you have already used 1,000 and the current available quota is 4,000, you can only consume 4,000 more. You cannot consume 6,000 under any circumstances. After payment comes the issue of installment.