1. The so-called installment refers to the installment repayment of the credit card consumption amount. Generally, the amount of each repayment is equal, including the consumption amount and handling fee of the credit card. 2. The charging standard of "handling fee" varies from bank to bank. Please consult the issuing bank for details. At the same time, cardholders can also decide the specific number of periods according to their financial situation, such as 12.