Whether you are in Maoming or not, there is no charge for swiping a credit card in a regular home appliance supermarket (if you have an iphone)! There are usually three kinds of credit card installment: the first is the installment in shopping malls, the second is the installment in consumption, and the third is the installment in bills. Like Suning and Gome, sometimes interest-free installment payment is made for a bank's credit card, which is called shopping mall installment. The first time to rinse the card is to collect the down payment and handling fee. If there is no such activity, you can only flush the full price of the mobile phone at one time (no handling fee). After the credit card is officially credited the next day, you can call the credit card bank and apply for consumption installment; Or call the bank to apply for bill installment before the repayment date after the bill is issued. In this way, the staged pool can be realized. The premise is that the available amount of your card is higher than or equal to the total price of your mobile phone. Banks will charge fees and interest for these two issues. If it is 5,000 yuan, it will be divided into 12 installments, and the handling fee and interest may be higher than that in 300 yuan.