In fact, to answer this question, we must first look at which bank your credit card belongs to, so we will describe it in two categories. The first type of credit cards are Industrial and Commercial Bank of China (minimum 600 yuan, the same below), Bank of Communications (1500), Shanghai Pudong Development Bank (500) and China Construction Bank (1000). As long as the mall has a credit card machine, as long as your consumption exceeds the minimum installment amount stipulated by the bank, you can call the bank's credit card center three days before the repayment date of the next day of consumption and tell the customer service that I want to apply for installment. As long as your card has no arrears and no records, the application will be successful. Of course, there is a handling fee for this installment, which is still relatively high. Please check the specific rate in all banks in official website (because it is too troublesome to write it in the bank where the credit card belongs); The second is the credit card of China Merchants Bank. As long as the single consumption amount is not less than 1500, you can pay in installments on the spot on the special credit card machine of China Merchants Bank in the mall. This handling fee rate is lower than the previous one. Of course, the disadvantage is that all shopping malls that can swipe their cards have special credit card machines provided by China Merchants Bank. In addition, if your card belongs to China Merchants Bank, you can check its credit card website. There is also a mobile phone in it, which can be paid in installments by phone or automatically online. In April this year, Dell and China Merchants Bank engaged in activities. Computers are bought by telephone in installments, and the handling fee is relatively low.