Thank you for using Ping An Credit Card. The handling fee for Ping An Smart Cash is fixed. You can transfer the available limit within the fixed limit to the debit card in your name at once or in installments. Repay principal and handling fees. The funds transferred to the debit card in your name can be used at will. Generally, when customers need a large amount of cash transactions and cannot pay with credit cards, it is more cost-effective to apply for a flexible loan. Regarding the installment business, the installment fee is subject to differentiated pricing, and the specific rate will fluctuate according to the cardholder's use of the bank's card. Installment is to apply for a single consumption installment for the consumption amount you specify after consumption or to apply for bill installment after the bill is generated. This installment business is generally applied for installment payment when customers are short of funds and unable to repay the principal at once. To sum up, since the flexible loan and installment industries are different, and the needs of customers are also different, we apply for them. It is recommended that you apply based on your actual situation. I hope you will be satisfied with the above answers. You can also follow the official WeChat account of Ping An Credit Card to experience a different micro-life.