Hello, application conditions for bill installment: 1. The latest bill has been repaid in full and on time, and there is no delay in repayment of the last three bills; 2. Transactions that cannot be processed by installment include: cash advance transactions, installment transactions and various expenses (such as annual fees, interest, late fees and other credit card fees); Dollar account transactions and funds that have applied for foreign exchange purchase, real estate transactions, pre-authorization transactions and other transactions designated by the card center. For details, please log on to the credit card website/click "Credit Management"-"Bill Installment" to inquire about the terms of bill installment.