If the money is not tight, you can buy this mobile phone with Guangfa's card, and then pay back the money before the repayment date to earn some points. If the funds are tight, you can only apply for installment, and you can apply for no quota when applying for installment.

If you apply for 5000 installments 12, according to the annual interest rate of 6%, you need to pay the principal of 4 17=(5000/ 12) for each installment, and the installment interest is: (5000*6%)/ 12=25, plus