Yes, in many banks now, credit cards don't necessarily let you installment at first. Secondly, if you pay in installments, the interest is quite high, about 18.25%? The actual annualized rate of Xiaohua wallet is 12.63%, which is equivalent to 30% of the minimum annualized rate of credit card repayment. It's still quite cost-effective Now the quota of Xiaohua wallet is completely free. Recommended download experience. I also use Xiaohua on my credit card. I hope my answer can help you.