General ledger installment is more cost-effective than bill installment. The reason is that the general ledger installment is to repay the paid and unpaid bills in installments, which can split the large consumption into several small monthly payments. This method is more flexible, can better manage funds, and can enjoy preferential activities brought by stages, such as discounts and interest-free. Bill installment is based on the amount of consumption that has not been accounted for, so it is not flexible enough to split large consumption into multiple small monthly payments.