Credit card installment, as long as you apply to the bank for installment repayment after the billing date, but 90% of the bank bills will be repaid in advance after installment, and all the handling fees will still be repaid. I think micro-lending is more flexible and convenient. Users can choose to repay the loan in installments of 5/ 10/20 according to their own needs, and pay it back with the loan, and there is no penalty for prepayment.