Both China Merchants Bank and Minsheng Bank can apply for it, and the installment payment with the cards of these two banks is the most convenient. It is not cost-effective for you to repay the loan in advance, because all the installment fees have been deducted when you buy things. No interest will be generated in the process. And after you repay one installment, your credit limit will be restored to the initial limit, and you can still use the amount of money when the card was issued. For example, your card is worth 10,000 yuan, and you buy something worth 8,000 yuan in installments. 12 issues, each issue is worth 670. If you repay 670 every month, your card can still use 10,000 yuan