Physical store purchase:

Select goods and ask merchants whether they support installment payment;

If yes, fill in the installment application form;

Call the credit card center and ask for installment;

The installment can be completed, and the corresponding amount in the card is frozen;

Repay the down payment and restore the down payment.

Buy in the online store:

Choose goods that support staging;

Place an order, choose the installment payment method and the number of installments;

Pay by credit card in installments;

The corresponding limit in the card is frozen;

Repay the down payment and restore the down payment.

Note: installment payment will generate a certain handling fee, which is slightly different for different banks and different periods; Down payment 10%.