In terms of consumption mode, China Merchants Bank currently has cash installment before consumption, shopping installment during consumption and bill installment after consumption: 1. Cash installment is a business that China Merchants Bank provides you with cash withdrawal and installment repayment. You can transfer money directly from your credit card to your smart card for consumption, and then upload the consumption receipt regularly. The benchmark fee rates for each period are: 0.95% for the third period, 0.8% for the sixth period, 0.75% for 10, 0.75% for 12, 0.75% for 18 and 0.75% for the 24th period. 2. Shopping by installments: through our special merchants, we choose to buy the designated goods or services by installments. The specific charging standard of installment payment and the merchants that can handle it; 3. Bill installment (only cardholders of business cards, business cards (including financial business cards), shopping cards, ANA protection cards or supplementary cards cannot apply): If the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments. Whether the bill installment application is passed or not shall be subject to the comprehensive evaluation results of our credit card center. Handling fee per installment = total amount = single installment rate. At present, there are 2 -36 issues, and the commission rate for a single issue is 0%~ 1.67%. After the application, the system will make a judgment.