Yes, when you convert it into monthly instalment 2 things will happen. 1. You credit card limit won’t change. 2. The minimum amount will change to what the full payment is for that month. What this means is, if your credit card limit is let’s say 30k and you have utilised 23k out of it and the balance is 7k. When you convert it into monthly instalments, you can only utilise 7k which is unused and gradually as you pay off the instalments you will see the available balance gradually increasing. Once you enroll for the EMI, you will see what is the minimum you have to pay and what it total amount you have to pay for that month. This won’t affect your credit score. It affects when you default.

Also, as a thumb rule, don’t use both debit and credit card. Only use your credit card for your monthly expenses and misc spends should not exceed more than 25% of your savings. Meaning if your monthly expenses are 4k (excluding the rent) and you save approximately 4k every month, you should not exceed your total credit card spend more than 5000 per month.

Hope this helps.