To apply for a credit card for the first time, you need to call the bank credit card center within three days after swiping the card and before the bill date, and then manually apply for installment. After approval, all interest can be deducted in the first installment.

Credit card customers need to pay a 2.6% handling fee for the third installment;

Credit card 6 installment customers need to pay 4.2% handling fee;

Credit card 12 installment customers need to pay a handling fee of 7.2%.