The back of the card says automatic interest-free installment. It can be used after activation. It will have automatic installment function, and automatically divide your consumption amount into 12 installments. You only need to pay112 of the total amount in each installment, but there will be an extra handling fee of 0.5% every month. Of course, you can return it in advance. If you pay off in advance, you don't need to charge any handling fee afterwards. For example, if you spend 12000 yuan on shopping, then the principal you need to pay back every month is 1000 yuan, plus the handling fee of 60 yuan every month, which means 1060 yuan every month. If you pay 1060 yuan in the first month, 1060 yuan in the second month, and pay off all the remaining principal in the third month, plus the 60 yuan handling fee, it will be 10060 yuan, so there is no need to pay back any money in the fourth month. In other words, if you actually use the installment for several months, you need to pay a handling fee for several months. As long as you repay in this way normally, there will only be a handling fee, no late payment fee and interest.

The other one didn't say automatic interest-free installment. After opening, it can be used normally and repaid normally, and there will be no installment fee. So before spending, you can plan ahead whether you need this service, and then choose which card to swipe.

The other functions of the two cards are the same, which is the difference.