As a cardholder of China Merchants Bank's credit card, you can choose to buy goods with higher sales by stages, such as mobile phones and computers. Although you hand over some procedures other than the sales price to the bank, which temporarily relieves the economic pressure of consumers, it is still cost-effective on the whole. After all, you got your mobile phone in advance and put it into use, and you didn't pay in full. The extra fee for each period is actually not much.