1. Cardholders who only hold business cards, purchase cards, ANA cards and business cards (including financial business cards or supplementary cards) cannot apply for bill installment for the time being.

2. Transactions cannot be staged: such as cash advance transactions, real estate transactions, installment transactions and various expenses (such as annual fees, interest, late fees and other credit card fees), pre-authorization transactions and other transactions specified by China Merchants Bank Credit Card Center cannot be staged.