There is only one advantage: you don't need to apply to the bank for installment, because the price on the credit card mall is already the installment price, and you don't need other handling fees and interest;

Disadvantages are: 1, the number of stages is relatively simple, so you can't choose by yourself; 2, delivery may be slow, if you are unlucky, you may not get it for half a month after placing an order; 3. Not cost-effective. Even if the price on the credit card mall already includes the handling fee, it is still very expensive. For example, it sells for 5,000 yuan in JD.COM. After you buy it, the installment and handling fee will be 5,500 yuan, but the price on the credit card mall may be 5,800 yuan.