Generally speaking, when paying by installments, if the time is before the billing date, the first installment will be counted from the billing date. If it is completed after the bill date, the next bill will generate the first amount. So you can choose the date of installment payment according to your actual situation. For example, you spend 6000 yuan to repay in six installments. The billing date is the 8 th, so if it is phased after the 8 th, the first issue will be produced on the 8 th of next month.