Which one is better, China Merchants Bank’s e-instalment or ordinary installment? In fact, as long as you know the difference between the two installments, you can make a good choice. 1. China Merchants Bank e-installment is a special credit card bill installment. The biggest advantage is that it has a special installment limit. After the installment, you will find that the credit card limit will be restored immediately, and only the e-installment limit will be reduced, so you don’t have to worry about the credit card limit after the installment. If it is not enough, the installment fee and processing time are no different from ordinary installments. It should be noted that the threshold for e-installment of China Merchants Bank is higher than that of ordinary installment, and the processing amount starts from 1,000 yuan; when repaying, don’t return it to the wrong account. If it is an e-installment repayment processed from June 30, 2020, you only need to pay it back to the credit card account Here, the previous transactions must be returned to the e-installment account separately. 2. Ordinary installment Ordinary installment should be familiar to everyone. Because it is an installment in a credit card account, it will occupy the credit card limit after processing, resulting in a reduction in the available limit. However, part of the limit will be restored with each installment, and you can pay it back in advance in one go. The full amount can be restored, but 3% of the unpaid principal will be charged as an early repayment fee. The above is the relevant introduction of "Which is better between China Merchants Bank's e-instalment and ordinary installment". After such a comparison, I believe many people will choose e-instalment. However, not everyone is eligible for e-instalment. Only high-quality cardholders have the opportunity to obtain it. Therefore, those who cannot apply for e-instalment can only choose ordinary installment.