First, you can swipe your credit card. The monthly fee to be paid by CCB is 50,000 * 0.006 = 300 yuan/month, and the total fee for 24 months is 300 * 24 = 7,200 yuan. Principal: 50,000 /24 = 2083.33/ month. Average spread to each month: handling fee+principal =2383.33 yuan/month. In addition, the installment of consumption should be handled from the end of consumption to 2 days before the latest bill date, and the monthly handling fee rate of the latest 24 installments in official website is 0.60%. I'm exhausted.