Hello, in terms of consumption mode, at present, our bank has "shopping by stages during consumption" and "billing by stages after consumption": 1. Shopping by stages: that is, through our special merchants, we choose to buy designated goods or services by stages. You can log on to our credit card website /StepShop/ and choose your city to inquire about the merchant shops that can handle installment payment and the installment payment standard. Note: You can apply only if your credit card is enough to pay the total installment amount. Our bank provides interest-free installment payment service and offers preferential interest-free monthly payment to customers. During the repayment period, customers can use our credit card account to pay for the goods on a monthly basis, and they can enjoy the interest-free period as long as they repay the goods in full according to the bill amount before the monthly repayment due date. However, there will be an installment fee, which is subject to the merchant's display (if you buy installment goods in the credit card mall through our credit card website, you don't need to pay the handling fee). 2. Bill installment (only cardholders of business cards, business cards (including financial business cards), shopping cards, ANA protection cards or supplementary cards cannot apply): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. The installment of the bill is interest-free, but there is a handling fee. Handling fee per installment = total installment amount × handling fee rate per installment. The minimum handling fee for each installment is 5 yuan, 0.9% for the third installment, 0.75% for the sixth installment, 0.70% for 10 installment, 0.66% for 12 installment, 0.68% for 18 installment and 0.68% for the 24th installment. Whether the bill installment application is approved or not shall be subject to the comprehensive evaluation results of our credit card center. For details, please log on to the credit card website/and click "Financing Staging"-"Bill Staging" to inquire.