1. Negotiate with the bank according to the credit rating: If the credit rating is high, the bank can consider offering you a more favorable installment plan, including not paying the down payment or reducing the down payment. When negotiating with the bank, you can provide your own income certificate, credit report and other materials to prove your credit status and repayment ability.

2. Participate in preferential activities of banks: Some banks will regularly launch preferential activities of credit card installment payment, including the activities of reducing down payment. You can pay attention to the bank official website, APP or marketing channels, get the latest information about preferential activities, and attend in time.