You can swipe your credit card in a physical store. But you need to pay attention. When the credit card is used in installments, the total selling price of the mobile phone will all occupy the credit card quota. In other words, the current credit card amount must be greater than or equal to the mobile phone amount before swiping the card and then staging. You don't have to pay a down payment.

Occupy the card quota by stages, the cardholder repays the first installment, and the quota is restored to the first installment.