The essence of installment payment is that the bank pays all the money for you in one lump sum, and then you repay it to the bank in installments.

If you follow the normal way, you should pay off this 800 yuan in one lump sum on the due repayment date, right? But it's not necessary now. You only need to repay the bank in installments every month, which is the essence of installment.

Because the bank pays for you, the full amount is in your credit card, so the available balance is the credit limit-the total amount of installment payment. Every time you pay back the money, the amount will increase.

If you don't understand, please ask questions and hope to adopt them.