Cash here doesn't mean you need to pay in cash, it's the payment method of the bank.

At that time, the corresponding deduction will be made from your credit card, and no cash payment is required.

You only need to deposit the amount you want to repay into the relevant repayment account or directly deposit it into a credit card to repay according to the normal repayment process.

As you can see from your chart, it's 12 installments, and each installment pays 370.75 yuan. So you need to pay a total of 4449 yuan to buy this mobile phone.

The answer to your question is to return it together. Your monthly repayment amount is your normal consumption (overdraft) amount +370.75 yuan (if there are other expenses such as cash advance, interest can also be paid together).