If you spend 4,500 yuan on a CCB credit card, you can apply for their consumption installment. That is, you can contact the bank 2 days before the bill date after consumption to apply for installment for a single consumption of more than 1,000 yuan.

If 4500 applies for 12 installments, the principal of each installment is 4500/12=375, the handling fee for each installment is 4500*0.6%=27, and the total handling fee for 12 installments is 27*12 =324, the installment amount credited to each installment in the future is 375+27=402, which will be reflected in your bill. If you repay in full according to the bill every month, the installment will enjoy the interest-free period. If the repayment is not made in full, interest will be accrued on the full amount at 50,000 per day from the date of entry into the account, as is the case with consumption. You can log on to the CCB credit card website and click Consumption Installment to learn more about it.