Not all arrears can be repaid in installments. Take his family's bill as an example (bill installment: that is, some credit card transactions in the bill are carried out in installments). Expenses, interest, installment payment, cash withdrawal, etc. It must be excluded from the bill, and only the consumer money can be used. So it is possible that the landlord multiplied the consumption part of the bill by 90%.

As far as consumption staging is concerned, it is to stage credit card consumption with a single bill exceeding 1000 yuan.

If the landlord has other questions, you can ask.