How about installment payment by mobile phone? I bought a mobile phone with a credit card last month for 4000 yuan. Now I'm wondering whether to pay off my credit card in one lump sum or by installment. 1, I think this is a very good practice. After all, if there is a rainy day, this 4000 yuan can be an emergency;

2. If you feel that there are more than six issues, you can apply for three issues;

In fact, even if it is divided into six periods, the handling fee is not much. The sixth installment fee 120%, which is not too much, is acceptable.

4. Note 1: Using a credit card is not to restrain yourself from spending money, but to "encourage" yourself to spend money. Because I don't have to spend money for the time being, I will buy less things, and I will feel that I am "losing money" and just control my desire to buy;

5. Note 2: Repay on time on the repayment date, and don't be overdue to avoid bad records.