It depends on whether you can meet the conditions for a credit card. If you can't, it's meaningless to discuss whether you can overdraft and pay by installments. At present, the conditions for banks to accept credit cards are:
One is over 18 years old; Second, stable work; Third, the conditions of the unit are good, and the social security has been paid for you for at least three months.
Because your description is not complete, it is impossible to judge the current work situation. If the students in school do not have jobs, they cannot get credit cards, so there is no significance to discuss the subsequent overdraft and installment. If you have been working and your company has paid for social security for you for three months, you can go to any bank in Qianling to provide information and apply for a credit card (identity certificate, in-service certificate, etc.).
If it can be approved, it can be paid by overdraft. As long as the approved amount exceeds 3000 yuan, you can pay the tuition by swiping the school card (of course, it also depends on whether the school's financial department has a POS machine for swiping the card). After spending by swiping the card, you can apply for installment payment from the bank (take CMB as an example, you can apply for installment payment of bills after swiping the card, and 90% of the application for 3000 yuan is divided into 3, 6 or 12 installments for repayment)
tolerable. If the school has a POS machine, you can pay the tuition by credit card. For example, many people now pay the application fee for the exam, and also support credit card payment. In particular, the payment of tuition fees and exam fees for studying abroad are paid by credit card. Before payment, you can see the card organization logo (UnionPay, VISA, MASTER, etc.) supported on the website. If you have the card organization logo on your credit card, you can pay.