1. Tmall installment payment must have a credit card, and the credit limit is greater than the price of the goods to be purchased. In other words, when shopping on Tmall installment payment, you need a credit card overdraft to pay the merchant, and then pay it back to the bank in installments. It's called installment payment, also called installment repayment.

2. For credit card installment purchases, the bank charges an installment fee, usually 0.6 per installment. The more installments, the higher the fee. Up to 24 installments can be made.

3. Installment repayment can be deposited into the credit card every month before the credit card repayment date, transferred to the credit card, or repaid to the credit card through Alipay.