1. The credit card installment payment must be paid in full to the merchant and then returned to the bank in installments, so the credit card will be reduced by 4,270 yuan.

2. If you have applied for installment payment, just repay according to the repayment amount of each installment. There is no need to repay the full amount of 4,720 yuan. Repayment per period (monthly): 4720/12 4720*7.2/12=423 yuan.

Each period of repayment is 423 yuan for reference. The specific repayment amount is subject to the bank statement.