Benefits: \x0d\ 1. You can spend first and then repay. Usually, if calculated reasonably, the interest-free repayment period can reach more than 50 days. This is good for your cash flow and management. \x0d\2。 You can buy things in installments, reducing the pressure of buying a one-time payment. For example, if you buy a 5000 computer, it can be divided into 65438. This only needs to pay more than 400 yuan a month. \x0d\ Disadvantages: \x0d\ 1. Safe. Generally, once the international payment service is opened, you can pay by VISA or Master credit card without user name and password. So once your credit card is lost or your information is leaked, the consequences will be unimaginable. \x0d\2。 Credit crisis. If you use a credit card to buy things, then, on the repayment date, you forget to repay the loan. I'm sorry that you have been blacklisted several times. Buying a house and buying a car loan will be restricted in the future. \x0d\3。 Bank installment payment is not necessarily cheap. The general bank's installment payment is in its own online mall, and the price is generally higher than that of mainstream e-commerce. Even if you cooperate with some retailers, such as Suning, after you pay in installments, there is a handling fee for each payment.