1, if it is a bill of the same period, you can only apply for installment once, not twice or more. Before the billing date, there are multiple purchases that meet the staging conditions, and you can apply for consumption staging separately. Installment applied after the bill date is called bill installment.

2. For example, if your bookkeeping date is the 20th of each month, and you spend RMB 3,000 in 200 yuan on the 2nd, 7th and 5th of this month, then you can apply for RMB 3,000 in 1800 before the 20th, which is the so-called consumption installment.

3. If the current bill comes out hungry after 20th, and the amount is 5,000, you can apply for bill installment, with the maximum amount of 5,000 * 90% = 4,500, or you can apply for bill installment of 2,500, whichever is between 500 and 4,500. That is to say, no matter how much you apply, you can only apply for this bill installment once.

Extended data

Generally, you can accept the bill installment by calling the customer service center of the issuing bank or telephone banking. ICBC cardholders can handle installment payment at ICBC outlets, ICBC online banking, telephone banking and mobile banking, and China Merchants Bank can handle it at the bank's online banking.

Relevant persons reminded cardholders that although all banks have introduced bill installment payment, it does not mean that every cardholder can pay by credit card installment. General banks should evaluate the credit status of cardholders according to their credit limit and credit records of credit card consumption.

Only after the assessment is passed can the cardholder make the installment payment smoothly. If the evaluation result is not satisfactory, the bank can reject the cardholder's application for installment payment, or not give the cardholder the amount of installment payment he wants. Cardholders can fully consider their own economic situation and apply for installment payment by telephone.

Baidu encyclopedia: credit card installment payment