Not credible. It's just a sales promotion. Buying installment projects has little to do with the amount. Some people only pay 5000 or less for 2000 boxes. The credit line approval is decided by the Card Department. The key depends on your financial resources. It has nothing to do with the salesman who gets the commission for installment shopping. It's just a reference at best. You have contributed to them, so think more about it than those who don't buy it.