0.5% credit card installment is not high. The installment rate of 0.5% is not high. Prime Bank's domestic installment interest rate is mostly between 0.6% and 0.7%. Only the credit cards of the four major state-owned banks have such low rates, which commercial banks cannot do. Credit card installment payment refers to the process that when the cardholder uses the credit card to make a large amount of consumption, the bank pays the consumer funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and then the cardholder repays the money to the bank in installments and pays the handling fee.