China Merchants Bank credit card installment repayment interest needs to determine the specific interest rate according to the number of installments. Under normal circumstances, you can choose to divide the bill into 3, 6 and 12 installments, with no interest, and the handling fee rates are 2.6%, 4.2% and 7.2% respectively.

You said that you already owe 6000 yuan in installments. If you apply for installment repayment before the repayment date of the current month, you can avoid interest, but there is still a certain handling fee.

If it is divided into three installments, the monthly repayment is 2000+2000*2.6%=2052 yuan;

If it is divided into six installments, the monthly repayment is1000+1000 * 4.2% =1042 yuan;

By analogy, it is better to repay as soon as possible.

Tips: Once the application for installment repayment is approved, even if the repayment is made in advance in the later period, the handling fee for those months will still be deducted. I hope you will consider it carefully.