The difference between the 6-installment and 12-installment credit card of China Everbright Bank is that the handling fee is paid for 6 months. The monthly fee rate for credit card installment of China Everbright Bank is .5%. Apply for 6, yuan for credit card consumption in installments, and pay a monthly handling fee of 6, x .5% = 3 yuan, with the handling fee of 6 installments totaling 18 yuan and the handling fee of 12 installments totaling 36 yuan.