As long as your credit card limit is enough, you can make installments. First, swipe your card to purchase home appliances, and then call customer service or log in to online banking to make installments. You can choose the period, usually 3, 6, 12, and 24. There are several periods to choose from, but I would like to remind you that the installment fee is not low. It is generally 0.72 (BoCom) of the total overdraft amount. Other banks may charge a monthly fee slightly lower (0.6). For example, if you spend 24,000 yuan to buy home appliances and repay them in 24 installments, you need to repay the principal every month 24,000/24=1,000, and the handling fee 24,000*0.72=172.8, totaling 1,172.8 (take the Bank of Communications as an example), every month Pay these back. As long as you make installments, even if you have money and pay it all off in advance, your handling fee of 172.8*24=4147.2 must be paid in advance.