Regarding question 1, not all

items

can be purchased by installment payment. Products that can be purchased in installments

You need to choose the corresponding installment method when purchasing. For the same item, if you pay in different ways, the price will be different. The more installments, the higher the price will be.

As for question 2, if the poster recharges the money every time before he is ready to pay for the goods, there will be no impact on the

credit card

repayment, but if If you top up your credit card in advance, the repayment time will need to be advanced.

In fact, if the poster wants to reduce the monthly repayment

amount

without affecting

credit

If you accumulate, you can receive the

bill from China Merchants Bank every month

and before the

repayment date

Apply via phone or online banking for repayment based on the minimum amount.