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如题，收到如下一个Email：由于我对信誉卡不大相熟，请问有银行的敌人吗？这究竟是干啥？我目前信誉卡帐都还清了，也不需求现金，但100刀礼品卡有送仍是承受的。
我得把啥换成啥？太难了解了。
求解，多谢！
As a Coles Mastercard customer, you have the option to take up a Statement Instalment Plan. This plan converts your retail purchases included in the Closing Balance of your credit card statement into fixed monthly repayments.
You can convert from $500 up to $586.49 and instead of paying your usual rate of 19.99% p.a., you can pay it off at a reduced rate of 7.99% p.a.1
Plus convert today to receive a $100 e-Gift card to use at Coles Supermarkets.5
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论坛元老