This means that you can enjoy an immediate discount of 400 yuan by paying the amount due in this month’s credit card bill (i.e. the total bill amount) in installments. For example, if your current credit card bill totals 5,000 yuan and you choose to pay 4,000 yuan in installments, you can get an immediate discount of 400 yuan. In other words, the final amount you need to repay is 4,600 yuan. It should be noted that this activity may have some restrictions and conditions, such as the types of bank cards participating in the activity, consumption types and installment numbers, etc.