Interest is the full penalty interest every day from the date of swiping the card, so the daily interest rate is 7000*53 days * 0.05%= 185.5 yuan. If it is divided into six installments, the 7000* installment fee is 0.65%*6=273 yuan.

My advice to you is installment, but if you pay it back in advance, for example, in the second or third month, you can save half of the installment fee.