If the credit limit is 3000, it depends on the time and credit status of your card. If your credit status is good during the period of using the card and your repayment is not overdue, you can call China Merchants Bank at 800820555 to apply for a temporary increase in the credit limit. Because you are a student, you may not be able to increase it to 10000 yuan temporarily. For installment payment, 2.5% handling fee is required for the sixth installment and 4.5% handling fee is required for the second installment. There is no handling fee for the sixth period, because many cashiers say that the handling fee is jointly charged by the bank. I wish you success!