it's certain that installment repayment will generate handling fees and interest, but this range is controllable and determined in advance, if you can accept the extra fees.

On the one hand, if you pay the minimum amount every month after buying in JD.COM, it will have an impact on your credit history (although your repayment on time will not lead to overdue records, in the future, when handling other businesses such as loans and checking credit records, some institutions may be more concerned about whether you pay in full or only the minimum amount every month); On the other hand, if you only pay the lowest price, it will also generate interest, and it will be full interest. For example, if you spend 4,8 yuan, the minimum repayment of the first installment bill will be 5 yuan. After you pay 5 yuan, there will still be 4,3 yuan left, so interest will be generated, and the interest is not 4,3 yuan, but 4,8 yuan, that is, full interest (it seems that only two banks are not like this at present, that is, you have 4,3 yuan left). At first, it may be ok, but in the end, if you still have only 5 left, the interest will still be calculated according to the full amount, that is, 48, which is not very cost-effective.