Both payment services are good.

1. Installment limit: Bill installments occupy the credit card limit, and e-fen has an exclusive installment limit.

2. Repayment method: The e-points must be repaid to the exclusive e-installment account, while the ordinary bill installments can be repaid through the credit card account.

Both the Agricultural Bank of China bill installment and e-payments are installment payment services provided by the Agricultural Bank of China. Agricultural Bank of China bill installment and e-point are both flexible and convenient installment payment methods. Which method you choose depends on your personal needs and preferences.