请问Coles信誉卡Convert的困难

hong5499

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

mycube

你要提现才送你，利率7.99% 并且我收到的邮件写了必需分期还

bbs139

就是让你把500到586.49用他们的分期方案（7.99年利率），用了方案就送100 gift card

tyc32

谢谢，所以即便送了礼品卡也分歧算，不需求借款就不去用了。

100d

谢谢，这有点像借款，而后还不准先还，得加利息的分期还。