The monthly repayment after installment can be used as usual (this is one aspect that credit cards are better than loans, and the monthly repayment after installment cannot be used). As for Everbright's card points, it depends on which angle you stand. If money is tight at present, we can pay by installments to relieve the pressure. From the perspective of credit card withdrawal, Everbright's credit card installment is beneficial to cash withdrawal, but the number of installments should not be too many, just 3.6.9 installment, and too many installments are not conducive to cash withdrawal. If you are not short of money and don't want to raise the amount, you don't have to divide it. After all, there will be a handling fee in installments.