Credit card. Credit card interest is low, and the interest of flower buds and credit cards is relatively less than that of flower buds in installment interest. At present, the installment fee for flower buds is: 2.5% for the third phase, 4.5% for the sixth phase and 8.8% for 12 phase; The credit card installment fee is 2% to 2.5% for the third installment, 4% to 4.5% for the sixth installment, and 7.2% to 9% for 12 installment.