Do I need to have a credit card to make installments from Allegro?

[Client:77323285]

Hi, I am planning to make some shoppings from Allegro, which will amount around 10000 zloty in total. I am living and working at Poland as an EU citizen. I am willing to pay those amounts as installments. 

Do I need to have a credit card to make installments from Allegro?

I have a bank card and bank account from ING bank. They told me via chat from their website, "to get a credit card or loan, you need to know Polish language". Is that true? And is that true for every bank in Poland?

[mdrogeria]

Każda instytucja posiada inne normy i procedury działania, tak jak i każdy przypadek jest inny, dlatego sytuacja każdego wnioskującego o taki kredyt podlega indywidualnej ocenie.