The conclusion is that the temporary credit line of China Merchants Bank does not have the option of repayment by installments. This is because the temporary line is regarded as fully included in the current bill when it is used, and if it is paid in installments, it will be regarded as overdue, which will not only generate additional penalty interest, but also have a negative impact on the personal credit record. Temporary credit line is not included in the calculation of revolving credit line. For example, if your credit card has a fixed credit line of 5, yuan and the temporary credit line is 1 yuan, even if your bill has been repaid in full in the current month, your available credit line will still be only 5, yuan, and the temporary credit line will be reduced to the remaining 5 yuan.

it is worth noting that the fixed amount is set by the bank in advance, and multiple credit cards (including supplementary cards) of the bank will enjoy this amount, which will not be accumulated due to the increase in the number of cards. When you need to spend more than a fixed amount, you can apply to the bank for a temporary amount, but the temporary amount is limited and will automatically return to the original amount after it expires. If the temporary limit exceeds the fixed limit, it will not enjoy the revolving credit service, but will be directly included in the minimum repayment amount of the next bill, which needs to be repaid in full on the repayment date to avoid additional repayment pressure. The above information comes from Baidu Encyclopedia's explanation of temporary credit line.