Credit card 払方?

Whenever I use my card, they always ask "払方は?" Giving me two options, 一括 (ikkatsu) meaning all at once, and I think 分割 (bunkatsu, the english explanation they said was "separately")? What's the second one about? Splitting up the items into several purchases? What would be the point of that?

submitted by /u/Pzychotix
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