The installment payment procedure is simple and the approval is fast, which not only facilitates the cardholders who are short of funds to buy the required goods in advance, but also does not have to bear too much pressure of full payment. However, there is no free lunch in the world, and the credit card installment fee is converted into a very high real interest rate, which means that the cardholder has to bear part of the installment cost invisibly.
Use staging, budget reasonably, don't spend blindly, repay on time, and don't affect your credit.