2. If you deposit 1, 200 yuan and overdraw 1, you can only pay back 2,200 yuan, not 3,200 yuan at all.

3. Credit card installment requires that the available amount of your credit card is greater than the price of your mobile phone. If the price of mobile phone is higher than 3200 yuan, the available balance of your credit card must be higher than 3200 yuan. Sellers also need to support large credit card payments. After meeting the above conditions, he can call the bank customer service phone or online banking to apply for bill installment after paying off all the money for purchasing the mobile phone.

If the credit card limit is less than the price of the mobile phone, you need to deposit some cash in the credit card before you can trade.

The mobile phone can be received after you pay, and then you can pay back the money according to the credit card bill every month. There is a certain handling fee for installment, which needs to be deducted from the down payment. Make sure you have enough credit cards to pay the installment fee after paying by mobile phone.

If the product itself supports credit card installment payment, you can click installment payment directly on Taobao without logging in to online banking or calling customer service to apply for installment payment.