Taobao installment payment does not necessarily require Huabei, users can also use credit cards to pay in installments.

According to a query on Xicai.com, we learned that Taobao installment payments do not necessarily require Huabei, and users can also use credit cards to pay in installments. When users pay, they first choose credit card payment, and then apply for bill installments after the credit card payment is completed, which is also equivalent to installment payment. However, because you can sometimes enjoy interest-free installments by using Huabei for installment payment on Taobao, most people will give priority to using Huabei when making installment payments.

You cannot get interest-free discounts for credit card installment payments, but users can get credit card points. If you choose, it depends on the user's own needs. If you want to reduce shopping costs, it is more appropriate to choose Huabei interest-free installment. If users need to accumulate credit card points, then choose credit card installment payment. Although they need to pay a certain installment fee, the points can also be redeemed for related services or gifts. All in all, for Taobao installment payment, users can freely choose Huabei installment or credit card installment.