If it is a consumption installment, it is to apply for installment after consumption anywhere. I think ICBC and China Merchants Bank are both good. General branches of ICBC have activities. Some of the three issues are free, and some are 50% off the handling fee.

If you don't need a handling fee, you can see if the goods you want are available in China Merchants Bank Mall. If so, you can waive the handling fee by stages.