After you get the card, you need a password letter, that is, a letter containing the initial password of your credit card. You need to call their credit card center to open the card according to the information mailed to you with the card, that is, tell them that you have received the card and intend to use it, and ask them to activate it for you, otherwise your card will be invalid and unusable. In fact, any bank's credit card can be paid in installments, not necessarily CCB's. As for the installment amount, it depends on the banks. Every bank has its own rules, and some banks will let you choose MasterCard or Visa when filling out the application form. These two cards are also different in stages. You can consult the credit card centers of various banks. However, China Bank is not recommended. The credit line is too low. Generally, the credit line of Bank of Communications is relatively high, generally about 10,000 yuan, and general shopping is enough. There are also some other banks, such as Huaxia Bank and China CITIC Bank. Generally, these small banks will have preferential activities, which are much more flexible than those big banks.