It means that after using a Shanghai Pudong Development Bank credit card for consumption, you can choose to repay the consumption amount in installments according to certain conditions and regulations.

This service allows cardholders to spread larger purchases or expenses over multiple months and repay a fixed monthly amount. When using a Pudong Development Bank credit card for consumption, the cardholder can choose whether to request the transaction to be converted into installment payment during settlement. If you choose the installment payment option, the fixed amount to be paid each month will be calculated based on the interest rate, handling fees, minimum repayment amount and other conditions set by the bank.