You are talking about the installment payment of Yang Yang Bank, and the installment rate of Guangfa Bank (the installment rate of Yang Yang Bank means that your RMB consumption is equal to or greater than 500 yuan, and the processing time is before 17:30 pm on the current billing date, so call customer service to apply for installment), and the sixth installment or 12 installment corresponds to 0.65%; 18 corresponds to 0.7%; The 24th installment corresponds to 0.72%, and the handling fee multiplied by the principal of the installment transaction will be deducted every month. Note: Once the number of periods is determined, it cannot be changed. In case of prepayment, the handling fee for the remaining unpaid installments shall be collected and deducted in one lump sum at the time of prepayment.

So you don't have to pay back 200 yuan every month, but you still need to pay back the service fee every month. If it's 2400 minutes, 12 months, then the monthly service fee is 15.6, so you have to pay back 2 15.6 every month, without deducting other extra fees. 1 year, and the service fee is fully paid back.