Divided into 1 period, and the handling fee rate of each period is1.5%; It is divided into two phases, and the handling fee rate of each phase is 1%. If Huaxia Bank's credit card installment fee is divided into 1 period, the installment fee rate is1.5%; It is divided into two phases, and the handling fee rate 1% for each phase is divided into three phases, and the handling fee rate for each phase is 0.8%. It is divided into six periods, and the handling fee rate of each period is 0.72%. It is divided into 9 periods, and the handling fee rate of each period is 0.72%.