1. The only difference is that the time for applying for installment repayment is different. When shopping in JD.COM Mall, the credit card installment function is to directly apply for installment repayment when submitting the order in JD.COM Mall, while the usual installment method is to apply for installment repayment from the day after credit card consumption to about 3 days before repayment date. These two ways of installment, first full payment, and then installment repayment; The handling fee generated after installment is the same, which will be charged by the issuing bank.

2. In fact, it is not recommended to use credit card installment in the mall, because you applied for installment repayment at the same time as submitting the order. After the installment repayment application is successful, you can't cancel the installment repayment, but you can only repay the principal and handling fee in one lump sum and end the installment in advance, which means that once the purchased goods are returned, the handling fee is not refundable. After spending by credit card, it is better to apply to the issuing bank for installment repayment after the refund period of the purchased goods.