1. Single consumption in stages. The number of periods that cardholders can apply for is 3, 6, 9, 12, 18, 24 and 36, and the handling fee rate of each period is 0.80% 0.80% 0.76% 0.73% 0.75% 0.75% respectively. The handling fee for each period should be repaid = the total amount of each period × the handling fee rate of the corresponding number of periods in each period.
The bill is paid by installment. The number of installments that cardholders can apply for is 1, 3, 6, 9, 12, 18, 24, 36, and the handling fee rate of each installment is 1.50% 0.80% 0.76% 0.73% respectively. Repayment of principal in installments = total amount of bills in installments ÷ number of installments. The principal paid in installments (accurate to the minute) shall be credited to the cardholder's credit card account on a monthly basis. If the principal cannot be divided, the remaining part shall be recorded in the first installment. Handling fee for each period = total amount of bills in installments × handling fee rate for each period corresponding to the number of installments.