the credit card installment fee of .53% is relatively low, but it depends on the individual's opinion. If money is tight, it must be phased, which is cost-effective, and if it can be repaid in full, it is not cost-effective.

1. Credit cards generally have a grace period of three days after repayment, and repayment within the grace period is regarded as timely repayment;

1. If it is paid off in full, no expenses will be incurred;

2. If the minimum repayment amount is paid, the daily interest shall be calculated at .5%, starting from the consumption bookkeeping date;

2. If the repayment exceeds the grace period or the repayment amount is less than the minimum repayment amount stipulated by the bank, it will be deemed as overdue. The daily interest will be .5%, and the interest will be calculated from the bookkeeping date. In addition, a late fee will be charged at 5% of the unpaid minimum repayment amount, which will be collected on a monthly basis.