There are at least two ways to pay in installments:

The first is to first bind your credit card to Alipay's "Quick Payment", and then you can check it directly on the payment page. If you choose installment, the handling fee is 5%, so each month is 4000*(1+5%)/12=350 yuan;

The second option is to pay first, and then apply for installment from the Agricultural Bank of China. The 12-month installment fee of the Agricultural Bank of China credit card is 7.2%, which is 0.6% per month. In this case, the monthly repayment is 4,000*(1+7.2%)/12=357.33 yuan. You can now apply for installment through online banking.

Based on the above two, the first one is more cost-effective. It not only saves the installment application, but also saves more than 80 yuan in handling fees.