Hello, as long as your installment amount is enough, you can handle it. After the installment is successful, the installment amount will all take up your fixed amount. You only need to pay the installment amount on time every month, and the fixed amount occupied by the installment amount will be restored after you pay it back. At the same time, a certain handling fee will be charged in stages, and the handling fee will be charged by the bank. You can ask the merchant for details. If the installment is successful, the handling fee will not be refunded if it is settled in advance. You can log on to our credit card website/click "Financial Staging"-"Shopping Staging" to view it. I wish you a happy shopping!