let it default to max.
you are able to pay as many as you want any time you want.
you may not need or want any on a small cost item, just go pay them all. you may want it broke up to 2 ......just go in and pay half of them.
the benefit over hsn choosing at purchase is that you might have a diff financial need later. the q is more flexible.
~~today may be my last.....i choose JOY!~~