Taobao credit card installment payment has two ways: one is that sellers who support credit card installment directly apply for credit card installment when purchasing. This credit card installment is limited, because there are limited banks that cooperate with Taobao to support online installment of credit cards. The other is to choose a seller who supports credit card payment when shopping in Taobao, choose credit card payment when paying, and then apply for installment repayment from the billing date to the repayment date.

Generally speaking, it is not recommended to apply for installment payment online when shopping, because once the installment payment is successfully applied, the installment fee will not be refunded once it is returned.

Taobao's credit card installment shopping process is as follows:

1. Select a good product from the seller who supports credit card installment payment, and click Buy Now.

2. On the page of confirming the order information, select credit card installment.

3. Select the bank and fill in the information to confirm the payment.

4. Choose to use installment payment. The default period is 12. At the same time, the number of periods, handling fee, rate and repayment amount of each period will be displayed.

5. Click the drop-down box of the number of periods to modify the number of periods.

6. Enter the payment password to complete the payment.