Hello, cardholders buy goods in Taobao Market (www.tmall.com) and Tmall (www.tmall.com). If the product contains "Support Staging Identification", when the product amount (amount range: 600-20,000 yuan) meets the staging requirements, it can be paid in installments. After the installment, the payment shall be made in full every month before the due date of the bill, without interest. But there is a handling fee, which is 3.90% in the third phase, 4.90% in the sixth phase and 6.50% in the second phase. The handling fee is added to the product price and charged in installments accordingly, that is, after you browse the goods through the merchant's website and confirm the goods you want to buy, you choose to pay by installments. The installment purchase price shown is the sum of the original product price and the handling fee. The handling fee will be repaid in installments with the product price, and the "handling fee" will no longer appear separately in the credit card bill. After the installment is successful, the total amount of the installment goods will all occupy your fixed amount, but you only need to repay the installment amount on time every month. I wish you a happy shopping!