I used CCB credit card to buy my mobile phone in installments, and I chose 24 installments, with no interest. Why pay the full amount in one lump sum? My credit line is 5000, and my mobile phone is 5 199. Because the installment amount of the credit card occupies the amount in the card, if the bank wants to freeze it at one time, the available amount will increase in each repayment period.

In fact, the bank pays the full amount to the merchant for you first, and then you repay it to the bank in installments, so the bank has to freeze the corresponding installment amount at one time.