First of all, I think your credit card limit is at least 5,, that is to say, it can be used at most 5,, which is not enough to buy 5,5 items on Taobao. Therefore, you should first deposit 1, yuan in hand into the credit card, and then go directly to Taobao to buy it with a credit card. The amount is just right, but the remaining problem is that you can apply for installment, and you can not raise enough 4,5 yuan before the repayment date. It will be over soon.