The Everbright Credit Card is suitable for installments of 20,000 per year. The number of installments you need to apply for a credit card depends on your financial situation. With limited economic conditions, the amount of repayment in one-year installments is relatively large. If you are under repayment pressure, you can choose to repay in two-year installments. The two-year period is longer and the amortized repayment amount is relatively small, which relieves the pressure. The two-year period requires A little more interest than the one-year term.