For RMB 1,200 after the bill date, you can call 4008205555 for manual service, or log in to "Credit Card Online Banking" to apply for it yourself. If the amount is 1,200 yuan, you can apply for up to 90% of it, which is 1,080 yuan. Divided into 3 installments:

The first installment requires 1200×10%+1200×90%÷3+1200×90%×2.6% = 508.08 yuan

Every subsequent 2 months You need to repay 360 yuan every month

As long as you repay 508.08, 360, and 360, no interest will be generated in those three months (such as new card consumption and cash withdrawals must be repaid 100% on time)