If you have applied for installment, the total amount will be shown on the bill first, and the details will state the installment of the product. You do not need to pay back the full amount, but it just means that CCB has advanced the full amount to JD.com for you, and then You then pay it back to CCB in installments. On the bill date, the first installment amount will be credited to your account, and you can then repay according to the bill. From now on, the amount for each period will be settled on every monthly bill.