Interest-free installment products in bank-owned malls are generally more expensive, one or two hundred more than e-commerce companies such as JD.com. The interest-free installment products on bank flyers are also relatively expensive. It’s expensive, and it’s not cost-effective to buy a bank’s self-operated credit card installment phone.

It’s okay to buy goods with installment payment in the mall, but the installment pressure is not that great.

The credit cards of China Merchants Bank and Bank of China cooperate with electrical appliance shopping malls such as Gome and often support installment payments in shopping malls.

For example, Gome Electrical Appliances will run promotions on New Year's Day, Spring Festival, May Day and other holidays, indicating that you can pay in installments with a credit card from a certain bank, etc. In this case, the payment with the credit card is the same as paying with cash. Yes, the advantage is that you don’t have to pay it all in one lump sum.