"Online installment payment" is one of the credit card consumer credit services of China Merchants Bank, and it is an online installment payment settlement platform provided by China Merchants Bank for credit card holders. Through this platform, the credit card holders of China Merchants Bank can choose to divide the total price of the purchased goods into three, six and 12 installments on average when shopping in the OPPO online mall, and use the credit card to complete the installment payment immediately through the network, and then the cardholders can repay each installment (month) on time according to the credit card bill;