Benefits:

1. You can spend first and then repay. Usually, if the calculation is reasonable, the interest-free repayment period can reach more than 50 days, which is conducive to the flow and management of cash in hand.

2. You can buy things by stages, reducing the pressure of one-time payment. For example, if you buy a 5000 computer, you can pay it back in 12 months, then you only need to pay back more than 400 yuan every month.

Disadvantages:

1. Safe. Under normal circumstances, once the international payment service is opened, VISA or Master credit cards can be paid without a user name and password. So once the credit card is lost or the information is leaked, the consequences are unimaginable.

2. Credit crisis. If you buy something with a credit card and forget to repay it on the repayment date, I'm sorry to be blacklisted several times. In the future, loans for buying a house and buying a car should be restricted.

3. Installment payment is not necessarily cheap. The general bank's installment payment is in its own online mall, and the price is generally higher than that of mainstream e-commerce. Even if we cooperate with some retailers, such as Suning, there is a handling fee for each installment. Generally speaking, it is still more expensive than direct purchase.