Credit cards are very cost-effective.

In terms of Huabei, you can apply for installment payment between the 1st and 10th of each month. The interest rate is: 2.5% for 3 installments, 4.5% for 6 installments, 6.5% for 9 installments, and 8.8% for 12 installments. In terms of credit cards, the installment interest rates of credit cards from different banks are different, but they are all lower than Huabei. For example, taking Industrial and Commercial Bank of China as an example, the bills are divided into 3, 6, 9, and 12 installments, and the interest rates are 1.47%, 2.28%, 4.05%, and 5.16% respectively. Therefore, credit cards are very cost-effective.