It is more cost-effective to repay in installments.

In response to this dilemma, let’s make a comparison. Let’s get an intuitive understanding by comparing the numerical values:

1. Comparison of repayment amount: In this way, the minimum repayment amount only requires 1/10 of the repayment amount this month, which is 1000 for 1000, which is a low amount. I applied for installment repayment, 1000 points for 3 months, naturally more than 300 per month. That's it.

2. Comparison of repayment cycles: the minimum payment is made, and the remaining repayment date is before the bill date of the next month. It's all paid off plus some interest. Installment payment is a fixed monthly payment, plus a small handling fee, with no interest. But it has the characteristics of long cycle.

3. Interest comparison: The interest on the minimum repayment amount is the total amount of repayment at an interest rate of 5/10,000 per day. In the "interest compounding" method, the interest can be short-term, long-term, and the minimum repayment is continued throughout the year. The interest generated is staggering. For installment payment, the interest is the monthly handling fee. If you have enough money, you may not know which month you will pay it back, but the total handling fee is still not high. Here is an example of Qingyin. If you use the minimum repayment amount of 1,000 yuan, you will incur 20% interest next month, and you will incur 12% fees in installments. But if the installment is used for 3 months, 12*3=36. You are determined to pay these 36 points from the day you apply for it. Even if the spine and middle are still up, it will be paid according to these months.