The main reason is that the installment interest of the province will be lower than that of the bank. First of all, not all credit cards can be divided into stages, so if the capital turnover is not enough, it will greatly affect the personal credit record. Then, if the credit card supports installment, the interest is also high. The average installment interest of the four major banks is 15%, and the interest saved is 12%, so for example, if you pay off your credit card in one lump sum and then pay it back in installments, the interest can be saved.

And if the personal credit record is good, the interest will be relatively low, so it is very cost-effective.