When they call for installment plans, they always ask you for 12 installments, or high-amount installments. In this way, your installment fee will be a lot, which is not cost-effective, even if they give you some small discounts. Yes, it actually comes out of the high handling fee you pay in installments. If you make your own installments, you can freely arrange the installment amount and number of installments. If the installments are smaller and shorter, the handling fee will be lower. Moreover, large-value installments are divided into long-term installments. Before half of the installment is paid off or the card is fully paid off, the bank will always focus on and monitor the status of the card. Although you have installed the large-value bill in installments, as far as the bank is concerned, you You owe a large amount of money to the bank and have not yet paid it off. If you do any abnormal credit card swiping behavior, you will immediately receive a similar risk warning.