hello! Because I am also a cardholder of credit cards, I consult more with banks, so I will share my experience with you! In the shopping mall with installment payment, you can look at the cooperative merchants of your credit card first. In fact, the rate of some cooperative merchants in installment payment is a little higher than that of banks. Besides, you can apply to the bank for installment after your own consumption, and the maximum amount that different banks can installment is different. To give you a practical example, if your credit card limit is 5, it will be 95% in installments at most if it is China Merchants Bank, and the specific approved amount is subject to the comprehensive evaluation of the bank. Generally, if you apply for installment online, the system will have a trial calculation. The repayment amount of each installment is different depending on the number of installments. For example, if China Merchants Bank can be divided into 24 installments at the longest, each installment must be at least 5*95%/24 (the monthly repayment amount of principal) +5*95%*.68% (the handling fee of each installment, please be reminded, this handling fee will be charged in full no matter how long you advance. Therefore, once the installment is successful, the handling fee will definitely come down. If you want to save some money, you will have to divide less installments. The specific amount will be subject to the bank's approval. I think this is just a rough idea, but the method is correct. After all, the rates of handling fees are different for different installments divided by China Merchants Bank. Others can be analogized accordingly. For more details, I suggest you consult the issuing bank of your credit card, and they will give you a more comprehensive and professional explanation.

Finally, I would like to give some personal suggestions. We should control the use of credit cards and don't let them become a burden of life. It's just an emergency, but it can't save the poor. Our own domestic mobile phone also has many functions and performances that are not inferior to those of Apple, but it may not be so mature, but the price/performance ratio is very good. Therefore, if it is not necessary, I suggest you make reasonable consideration with your own economy. ^_^