The charging method of credit card installment fee is adjusted to: the third installment fee and the following fees are charged at one time; The handling fee for more than three installments shall be collected by sharing each installment.

if the customer prepays, the prepayment fee for the third installment and below will not be refunded;

the undistributed handling fee for full prepayment of more than three installments shall be charged by the day; Unallocated handling fee for prepayment of more than three installments shall not be exempted. ("Collection by the day" refers to the actual number of days from the billing date to the repayment period /3* amortization fee for each period. This part of the fee will be collected in the next bill, and there will be no installment fee for subsequent accounting periods. )

annualized interest rate display of credit card installment fee. According to the express requirements of the People's Bank of China on the annualized interest rate of loan products, the standard monthly fee rate of our credit card installment business (including bill installment, flexible installment and automatic installment) is .6%, and the approximate converted annualized fee rate corresponding to the installment fee rate is the annualized internal rate of return (IRR) calculated according to the borrower's loan principal, repayment amount per installment, loan installment and other factors, taking into account compound interest. The formula is:

where n is the frequency of repayment within the year (for example, repayment once a month is 12) and t is the number of repayment years, and the IRR calculated from this is the annualized interest rate.