Hello, if you are shopping at the China Merchants Bank Credit Card Mall, if you choose installment shopping when shopping, it will be installment shopping. In bill installment, you consume first, and your bill amount will be divided into installments on the bill date. You need to apply for bill installment. Installment shopping: You can choose installment shopping when shopping, and there is no need to apply separately.

Chinese Merchants Bank credit card can be used for shopping through Amazon, Suning.com, Apple Online Store, Taobao (Tmall) and other cooperative websites. You can use the credit card to pay in installments. (Business cards do not have installment service) Cardholders can choose to repay the credit card amount in equal installments such as 3 installments (months), 6 installments (months), 12 installments (months), etc. based on the total price of the purchased goods or services.

Our bank provides interest-free installment business, providing customers with interest-free monthly payments. Customers can use our bank's credit card account to pay the price of the product in monthly installments during the repayment period, as long as If you repay the bill amount in full before the monthly payment due date, you can enjoy the interest-free period. However, there will be installment handling fees. For specific charging standards and available stores, you can log in to our credit card website/StepShop/ and click "Installment Shopping" to check. Even if the installment is settled in advance, the handling fee will not be refunded. If you purchase installment products in the credit card mall through our credit card website, you do not need to pay handling fees. If your credit card can be used normally, the installment limit is your actual available limit. For example: If your current actual available limit is RMB 3,000, the amount of installment transactions that can be processed does not exceed RMB 3,000. If you are unable to apply for installment due to insufficient quota, it is recommended that you adopt the following methods: (1) Apply to increase the fixed quota; (2) Complete the installment transaction by depositing the corresponding amount of money for the insufficient quota (i.e., overpayment installment); This needs to be applied manually. (3) Pay part of the money to the merchant in cash or other ways to reduce the amount of installment payment; (4) After the one-time payment, call to apply for bill installment, but bill installment needs to pay corresponding handling fees. Whether the application is approved will be determined by our bank The comprehensive evaluation results shall prevail.

Once the credit card installment is successful, it cannot be modified. If you need to settle the installment in advance, please call our customer service hotline and we will transfer the manual application for you. After the application is approved, the undisbursed principal and handling fee will be settled in one go and will be included in the next month's bill, and the bill amount needs to be paid off in one go. (Business card does not have installment service)