Hello, in terms of consumption patterns, at present, our bank has a shopping stage at the time of consumption and a billing stage after consumption:

1. installment shopping: through our special merchants, choose to purchase the specified goods or services in installments. For the specific charging standard of installment payment and the merchants that can handle it, you can log on to our credit card website/click "installment shopping" to inquire;

2. Bill installment (cardholders who only hold business cards or supplementary cards can't apply for it for the time being): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments. For details, please log on to the credit card website/click on "Credit Financing"-"Bill Staging" to inquire.