All card-issuing banks can basically support this staging method, and the application is simple. Users only need to apply for installment to the issuing bank by telephone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special cases, such as speculative credit card can not be successfully phased. Extended information

Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and the consumer funds are deducted from the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount.

Most domestic banks in China have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.

Reference: Baidu Encyclopedia-Credit Card