The two cards share your quota in the Agricultural Bank of China, but the consumption and repayment are separate. 1 card consumption 1000, and the available amount of 2 cards is also reduced 1000. If both cards have consumption, they need to be repaid separately.

There is nothing wrong with credit card installment. If funds are tight and repayment pressure is high, repayment can be made in installments. Generally, installment repayment will not have any adverse effects on yourself. Banks can make profits in installments. For example, if 10,000 credit cards are used up, they will be repaid in ten installments. After repayment, the bank will earn a part of the handling fee. In this way, the bank may also increase the limit for cardholders, because there may be more income, and many people will repay by installments.