En el Reino Unido no hay el sistema de cuotas. Simplemente te piden que ingreses la targetas y que pongas la clave. Aquí se usa mucho el sistema de contacto (contactless en inglés) para transacciones pequeñas así que muchas veces ni siquiera te piden esto.

I can't say about other countries, but here in New Zealand at least, it is very unusual to make down-payments or lay-buy with a credit card. If you need credit, the store will often arrange that, but with a finance company, rather than with a credit card.

Thanks to all of you for taking the time to answer my question. I've learned something new. I hope you have an excellent day!

"In how many instalments can I pay this?"

Hi Elizabeth, If I understand your question correctly, yes, "How many installments?" is the correct way to ask when paying for a large purchase by credit card. See below for an example. A: Ok, that will be $1,500.00 B: Do I need to pay the entire amount up front, or can I pay in monthly installments? A: We offer a payment plan, yes. B: How many installments? A: You can pay over a period of XX months, which would leave your payments at $xx.xx per month. Does that sound good? B: Yes, that will work perfectly. Thank you.