First of all, if the landlord's credit line is 8000 yuan, 15000 yuan is impossible to brush things. Even if it is installment payment, the landlord's credit limit is required to be greater than or equal to the total amount of things to be bought, because installment is actually that the bank brushes the money to the merchant at one time, and then the cardholder returns the money to the bank every month, which requires the cardholder's credit limit to be sufficient, otherwise the risk of the bank will become greater.

Secondly, the installment payment of CCB has nothing to do with the length of card use, and the new card can also be installment.

Finally, in terms of cost, if Taobao is directly phased, the rate should be based on the rate given to you by Taobao merchants (the rates involved by different merchants are different). For example, the total amount of things 15000 yuan, the installment rate of merchants 12 is 7%, and the handling fee = 15000 * 7% = 1050 yuan. At the time of payment, the total commodity amount is 16050 yuan (15000+ 1050, including the handling fee), and the repayment for each installment is =16050/12 =1337.5 yuan.

Or the landlord can also consider swiping the card first and then staging, and can do the consumption staging of CCB:

Consumption installment: it refers to the installment of credit card consumption with a single bill exceeding 1000 yuan.

Processing time: two days before the latest billing date after swiping the card.

Processing amount: 65438 yuan+0,000 yuan for a single brush card.

Installment fee: I settled the following figure for the landlord in official website, so the landlord can have a look:

For example, suppose the landlord's billing date is 5th of each month, and the due repayment date is 20th after the billing date, that is, 25th of each month, and the landlord pays 3/ 1 credit card15,000 yuan, then you can make a phone call before 3/3 (3/5 is the billing date, and 3/3 is two days before the bill) to handle the consumption installment, which is divided into/. Installment principal =15000/12 =1250 yuan. The handling fee of each period = 15000*0.6%=90 yuan, the total handling fee is 12 * 90 = 1080 yuan, and the repayment amount of each period is = 1250+90= 1340 yuan.