I am a bank specialist, let me answer your questions:

1. Installment payment is an overdraft. Your 230X12 period is an overdraft of 2760 yuan.

2. Installment banks have to charge a certain fee. Different banks have different charging standards for different periods. Generally, the fee for 12 installments is between 3% and 7%, that is, you have to pay The handling fee is about 83~193 yuan.

3. You have the minimum repayment amount every month, which will be automatically deducted from your associated bank debit card. If the bank card is not associated, it will be overdue, and your personal credit report will be There are overdue reflections.

4. It is best not to have excess amount in your credit card. Some banks will block the credit card after installment payment. It is very likely that you will not be able to withdraw the 500 yuan.