Compared with the two, installment payment with Pudong Development Credit Card is more cost-effective. Because the handling rate of installment payment by Pudong Development Credit Card is lower than that of Wanyongjin. Moreover, the number of installments of Universal Cash is different from the bill installments.

1. Wanyongjin installment number and handling fee (total handling fee):

3rd period: 2.7%, 6th period: 4.98%, 12th period: 9.57% , Issue 24: 18.98%, Issue 36: 29.35%.

Converted into the handling rate for each period: 3 periods: 0.9%, 6 periods: 0.83%, 12 periods: 0.80%, 24 periods: 0.79%, 36 periods: 0.82%.

2. The handling rate for each installment of Shanghai Pudong Development Bank credit card bill installments: 3rd period: 0.9%, 6th period: 0.78%, 12th period: 0.74%, 15th period: 0.75%, 18th period: 0.76%, Issue 24: 0.76%.