1. You can use your own credit card. You can directly pay the full amount and then apply for installment payment with the bank. For specific operations, enter your credit card’s online banking or directly call the bank’s customer service to tell them which payment needs to be made in installments. That's it.

2. When a single Taobao transaction exceeds 600 yuan, when paying on Taobao, there will be an option to ask if you want to pay in installments. If you choose to pay in installments, it will pick out the handling fees for different installments. Complete the credit card payment according to the number of installments you want, and the bank will pay the installment directly.

3. Use Taobao’s Ant Huabei credit to pay in installments. This repayment is deducted from the Alipay balance every month. You need to transfer the money to Alipay in advance. If Alipay runs out of money, he will call you.