1. The number of installments and the interest rate: Guangfa Credit Card provides a variety of installments, such as 3, 6, 12, 18 and 24. The installment interest rates corresponding to different numbers are also different, such as 3 installments. The monthly interest rate is 0.6%, 0.65% for 6 and 12 periods, 0.7% for 18 periods, and 0.72% for 24 periods.

2. Installment handling fee: The handling fee for each installment is calculated as a percentage of the applied principal. Depending on the number of installments, the handling fee will be charged in one go or amortized to each installment.

3. Interest calculation formula: Interest is equal to the consumption principal multiplied by the interest rate multiplied by the number of installments. For example, the consumption principal is 10,000 yuan, the number of installments is 3, and the interest rate is 0.7% per month, then The amount to be repaid in each period is 333.33 yuan (including principal and handling fee). The total amount to be repaid in the three periods is 999.99 yuan, and the interest is 20 yuan.