You owe 1,500 on your card. After you deposit 1,500, you can swipe your card to buy an air conditioner and then call the bank to apply for installment. You can choose it within 12-24 installments. The installment is There is a handling fee. If you choose 12 installments, even if you pay off the money in advance, you will have to pay every penny of the handling fee for the 12 installments