If it is a one-time credit card consumption, then try to apply for installment, which belongs to the "bill installment" function of China Merchants Bank. /kloc-7.2% handling fee for phase 0/2, which will be charged in one lump sum for the first phase. Can apply for 90% of the maximum consumption, and not more than 80% of the credit line.

Suppose you want to use a credit card to spend 3,200 yuan at a time to apply for bill installment, then the down payment = 3,200×10%+3,200× 90% ÷12+3,200× 90 %× 7.2% = 767.36 yuan, of which the handling fee is 207.36 yuan; After that, I returned to 240 yuan every month for eleven months.

It is suggested that if the local China Merchants Bank agrees that the store can use "shopping mall installment", then it is the most cost-effective to choose this store for direct installment payment, and the handling fee for 12 installment will generally not exceed 4.5%.

-Assuming that the goods with a total price of 3,200 are paid directly in installments in the mall, the down payment is 3,200 ÷12+3,200× 4.5% = 410.67 yuan, of which the handling fee is 144 yuan; After that, it will pay 266.67 yuan every month for 1 1 month.