After handling credit cards, many card friends handle the installment business of banks because of the needs of real life. Installment of bills is a common one, because China Merchants Bank handles a large amount of business. Today, I will answer two questions for you: whether the credit card of China Merchants Bank occupies the quota by installment, and whether the quota will be restored after the bill is installment. To be clear, China Merchants Bank's bill installment will occupy the credit card quota, and the occupied quota will be released month by month with each repayment. At the end of the bill installment, the credit card limit will be restored to the original limit. For example, Kayou Xiaowang's original credit line of China Merchants Bank Credit Card was 30,000, and he applied for the billing installment of China Merchants Bank Credit Card 6000. After the installment is successful, the available credit limit of Xiao Wang Credit Card is only 24,000. If Xiao Wang's bill is divided into 10 installments, after the first installment of the bill is completed, Xiao Wang's credit card limit will be increased to 240,600, and there is no need to spend by credit card. In addition, we should pay attention to the following points: 1. The installment of the bill is free of interest, but a certain handling fee needs to be paid according to the number of installments. 2. The smaller the installment amount, the fewer the installment times and the lower the handling fee. 3. After the bill is divided into installments, you need to pay the installment principal and handling fee on the repayment date of each month. Overdue repayment will produce a certain late payment fee, which will seriously affect the credit investigation. 4. The total amount of each issue is 95% of the amount of notes issued in this issue. As long as you are above 300 yuan, you can apply for staging; 5. The bill can be handled in multiple installments, with the minimum for each installment not lower than that of 300 yuan and the cumulative maximum not higher than the credit line. After the application for bill installment business of China Merchants Bank is successful, the amount of bill installment will be frozen immediately, which means that it will occupy the limit of your credit card and the repayment will be resumed accordingly.