Hello, our bank provides interest-free installment service and offers preferential interest-free monthly payment to customers. During the repayment period, customers use our credit card account to pay monthly, and they can enjoy the interest-free period as long as they repay in full according to the bill amount before the monthly due repayment date. However, there will be installment fees, and the specific charging standards can be used in shops. You can log on to our credit card website/click "Shopping by Stages" to inquire. Even if the installment is settled in advance, the fee will not be refunded. If you buy installment goods in the credit card mall through our credit card website, you don't have to pay the handling fee. When your credit card can be used normally, the installment amount is your actual available amount. For example, your current actual available amount is RMB 3,000, and the amount of installment transactions you can handle does not exceed RMB 3,000.