Profits: \x0d\1. You can consume first and repay later. Usually if you calculate reasonably, the interest-free repayment period can reach more than 50 days. This is conducive to the flow and management of cash in your hands. . \x0d\2. You can pay for things in installments to reduce the pressure of a one-time payment. For example, if you buy a computer worth 5,000, you can pay it back in 12 months, so you only have to pay more than 400 each month. Yuan is enough. \x0d\Disadvantages:\x0d\1. Security. Generally, VISA or Master credit cards, once the international payment service is opened, can be paid without a username and password. So once your credit card is lost or the information is leaked, , the consequences are disastrous. \x0d\2. Credit crisis. If you buy something with a credit card, and then when the repayment date comes, you forget to repay, there will be a few times, I'm sorry, you will be on the blacklist. You will buy a house in the future. Car loans will be restricted. \x0d\3. Installment payments are not necessarily cheap. Generally, banks offer installment payments in their own online malls, and the prices are generally higher than those of mainstream e-commerce. Even if they cooperate with some retailers, such as : Suning, etc., after you pay in installments, there will be a handling fee for each payment. Generally speaking, it will still cost more than if you purchase it directly.