What do you mean $8,000 for Cary? Is the credit line 8000 yuan? I understand it as a credit line of 8000 yuan!
If it's not enough, why save 7800? Just pay 7800 directly and then swipe your credit card 8000. Why do you want to save it and brush it again 15800?
If you pay by installment, if your credit limit is only 8000, it won't be because you saved 7800, swiped 15800, and gave you 15800 by installment, which can only be up to 8000 yuan!
You can call the bank credit card center to apply for installment payment at any time after payment! You can also apply for installment before the current bill is due!
If you spend money at 1 1.05, you can call in stages at any time. It can also be completed in stages before the next billing date expires. It won't affect it!