Hello, credit card installment purchases are interest-free, and the handling fee needs to be verified with the merchant. China Merchants Bank credit card can be used for shopping through Amazon, Suning.com, Apple Online Store, Taobao (Tmall) and other partner websites. Credit card can be used 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. During the repayment period, customers use our bank's credit card account to pay the price of the product in monthly installments, as long as the monthly payment is due before Repay the bill amount in full to 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. 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 application manually 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)