If it is an installment mobile phone provided by China Merchants Bank itself, it is of course very reliable to use it. If it is provided by other merchants, you need to be more cautious. Credit card installment payment is mainly not cost-effective because electronic products If the price is reduced too quickly, the value will gradually depreciate greatly.

From the perspective of consumption patterns, our bank currently has shopping installments during consumption and billing installments after consumption:

1. Shopping installments: choose installments through our bank’s special merchants Payment method to purchase specified goods or services. For specific installment payment standards and applicable merchants, you can log on to our credit card website/ and click "Installment Shopping" to inquire;

2. Bill installment (only for holders of commercial cards or supplementary cards) Cardholders are currently unable to apply): If the merchant you shop at is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our bank's credit card, which can help you repay the consumption amount in your bill in monthly installments. For details, please log in to the credit card website/ and click "Credit Finance" - "Bill Installment" to inquire.