It's best to pay in one lump sum. I really can't help it. In order to guarantee the credit record, it is feasible to repay the minimum amount or installment. Staging business will not cause high penalty interest. You should be able to call CCB to apply. It's simple. Generally speaking, installment repayment is generally beneficial to cardholders who have a large amount and cannot repay in one lump sum for a long time, which can prevent the occurrence of compound interest. However, if the bill amount is low, the date of consumption bill is close to the final repayment date, and the payer can't repay in full in a short time, it is more cost-effective to choose the method of repaying the minimum repayment amount first.