Full interest accrual: If the full amount is not repaid on time, all current debts will be accrued with interest at a daily interest rate of 5/10,000 starting from the date of consumption, and the repaid portion will no longer participate from the day of repayment. Interest accrued. There is no interest-free period for all purchases made on the card before the overdue balance is paid off. Installment: The handling fee is calculated based on the full amount of the installment. The more installments you pay, the higher the handling fee. You can still enjoy interest-free payment by swiping your card after applying for installment, but the handling fee cannot be waived for early repayment. When all banks have the same number of repayments, the one with the lowest installment payment is more cost-effective. To sum up, the minimum repayment is only suitable for short-term liquidity problems that do not exceed three months. If the loan is to be delayed for more than three months, it is better to pay it in installments

Choose the minimum repayment, and you can afford to repay the first installment. As much as you can, not just the minimum.