Please help us to see if CCB Credit Card and JD.COM Baitiao need to buy mobile phones by stages, which is cost-effective? thank you

1. The mobile phone fee in the physical store is 2,800 yuan, and the handling fee for each credit card is 2,800 * 0.45% =12.6 yuan. The total handling fee is 15 1.20 yuan, so the actual cost of the mobile phone is 295 1.20 yuan;

Second, where are the prices in JD.COM? Obviously, it is worthwhile to adopt the first installment payment method.

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