I want to use a credit card to buy a motorcycle for commuting, which can be paid by installment, preferably a car with a good battery, such as Sitter Tallinn. I don't know where I can pay by installment. It depends on which shopping mall or shop in Kunming has a POS machine. Nowadays, POS machines generally carry the UnionPay logo, so you can swipe your card with China Merchants Bank credit card.

If the POS machine in that shopping mall or shop is a non-China Merchants Bank POS machine without the UnionPay logo, you can't swipe your card to spend

The installment period and rate of China Merchants Bank; It can be divided into 3, 6 and 12 months, and the handling fee is charged in one lump sum in the first month. The installment fee rates are 2.6%, 4.2% and 7.2% respectively;

the installment principal shall be paid in installments of 3, 6 and 12.

If it is paid in installments of 12, the principal is 3, yuan, the handling fee = 3, yuan ×7.2%=216 yuan, and the principal payable in each installment = 3, yuan /12=25 yuan.

If the principal payable in each installment is decimal, it is generally added to the first installment.