You can pay in installments when buying home appliances with a credit card, just apply for bill installment.
The handling fees of some banks for bill installments:
(1) ICBC is divided into 3 installments of 1.65; 6 installments of 3.6; 9 installments of 5.4; 12 installments of 7.2; 18 installments of 11.7; 24 installments 15.6; a one-time handling fee;
(2) China Construction Bank charges 3 installments, with a monthly handling fee of 0.7; 6 installments of 0.6; 12 installments of 0.6; monthly handling fees;
(3) Bank of China charges 1.95 in 3 installments; 3.6 in 6 installments; 5.4 in 9 installments; 7.2 in 12 installments; 11.7 in 18 installments; 15 in 24 installments; a one-time handling fee;
(4) China Merchants Bank is divided into 3 installments of 0.9; 6 installments of 0.75; 12 installments of 0.66; a one-time handling fee is charged;
(5) Bank of Communications is divided into 3 installments, 6 installments, 12 installments and 24 installments, all of which are 0.72, according to A monthly handling fee is charged;
(6) Everbright Bank pays 0.5 of the total installment amount in each installment, and a monthly handling fee is charged;
(7) Industrial Bank pays 3 installments, 2.4 ; 3.9 for 6 periods; 7.8 for 12 periods; 11.7 for 18 periods; 15.6 for 24 periods; one-time handling fee;
(8) Minsheng Bank is divided into 3 periods, the monthly handling fee is 0.82; 6 periods 0.7 ; 0.67 for the 9th period, 0.67 for the 12th period; 0.67 for the 18th period, 0.7 for the 24th period; the fee is collected on a monthly basis;
(9) China CITIC Bank is divided into 3 periods, with a monthly handling rate of 0.72; 6 periods, 0.66 ; 0.66 for 9th period; 0.65 for 12th period; 0.70 for 18th period; 0.70 for 24th period; ￥10,000 (including ￥10,000) and below (instalment amount) One-time handling fee is charged, ￥10,001 and above (instalment amount) Payment is made in installments according to the number of installments;
(10) Ping An Bank pays in 2 or 3 installments, with a monthly handling fee of 0.7; in 4 to 6 installments of 0.68; in 7 to 9 installments of 0.66; in 10 to 10 installments 0.64 for 12 periods, and the handling fee is charged on a monthly basis;
(11) The Agricultural Bank of China has a fixed handling fee rate of 0.6, and the handling fee is charged on a monthly basis.