The "second line" of credit card is the "wireless" in credit card installment. At that time, the rules for banks such as Xingye and China Merchants Bank to make credit card installment payment were that only the down payment was frozen after purchasing the installment goods, and then a single payment was made every month. For example, if you buy goods in installments with 1200 yuan and 12, only RMB 100 will be deducted from the first installment, and the bank will pay the full amount to the merchant 1200 yuan. In this way, the bank has a potential risk, because if you don't repay the money in the future, the bank will have certain losses, and you need to call you for a dunning, which will bring subsequent business costs. Therefore, there was a "two quantities" at that time, which was to evaluate the repayment safety of cardholders. Generally, people who pay back on time for several months have a higher "two amounts", and they can make a fixed amount 1.5 times of the commodity installment, that is, the amount of 10000, and they can buy goods with a total price of 15000 to 20000.