It should be noted that banks will stipulate some special circumstances, for example, speculative credit cards cannot be successful in installments. So before the trial run, be sure to read the trial run manual carefully. The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and all of it will be borne by the cardholder.
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Precautions for credit card use:
Generally speaking, if there is no temporary large consumption expenditure, it is best to control the monthly credit card consumption amount below 1/2 of the monthly income.
Users should note that the monthly consumption of credit cards should be kept below 1/2 of the monthly income, and the repayment pressure of cardholders is relatively small. Some cardholders have poor self-control, love to spend money, often spend irrationally, credit overdraw, and it is difficult to repay. If you don't pay attention, it will easily lead to overdue repayment of credit cards.
People's Daily Online-From now on, it will be more difficult to swipe a credit card or debit card.
Baidu encyclopedia-credit card