Yes, you just need to find a merchant who can swipe your credit card, swipe your card directly and then call the customer service phone on the back of your credit card to apply for installment. Insurance and real estate consumption generally cannot be divided into stages, and other stages are very simple. You can do it by phone. Secondly, if online banking is enabled on this card, you can pay for it on websites such as JD.COM or Joyo, and then you can call yourself or go online for self-service installment. It is recommended to use China Merchants Bank's credit card. Now, if you buy something from Excellence for over 1200, you can pay directly for Excellence for one year, and only charge 2% installment fee. The charges of CCB vary from place to place. My card is 0.78 per issue, which means 12 is 0.78* 12, which is too high.