Benefits:

1。 You can spend first and then repay. Usually, if the calculation is reasonable, the interest-free repayment period can reach over 50 days. This is conducive to the cash flow and management.

2。 You can buy things in installments, reducing the pressure of one-time payment. For example, if you buy a 5000 computer, it can be divided into 12 months, so you only need to pay back more than 400 yuan each month.

Disadvantages:

1。 Safe. Under normal circumstances, once the international payment service is opened, VISA or Master credit cards can be paid without a user name and password. So once the credit card is lost or the information is leaked, the consequences are unimaginable.

2。 Credit crisis. If you bought something with a credit card and then forgot to repay it on the repayment date, I'm sorry, I was blacklisted several times.

In the future, loans for buying a house and buying a car should be restricted.

3。 Installment payment is not necessarily cheap. The general bank's installment payment is in its own online mall, and the general price is higher than that of mainstream e-commerce. Even if we cooperate with some retailers, such as Suning, there will be a handling fee for each payment after installment. Generally speaking, it is still more expensive than direct purchase.