In the installment payment of Taobao credit card, the system will deduct the available amount of credit card at one time, instead of monthly installment deduction. This means that at the beginning of installment payment, all the installment amount will be deducted from the available credit cards at one time. Therefore, users need to ensure that the available credit card amount is enough to pay the full installment amount. In this way, users can enjoy the convenience of installment payment when shopping, and at the same time, they need to pay attention to reasonable planning and management of available credit card limits.