High. The ICBC credit card limit of 50,000 yuan is divided into 60 installments over five years. The repayment amount for each installment is about 1,048 yuan, and the total repayment amount is 62,880 yuan, of which the 28,000 yuan fee is relatively high. Generally speaking, banks will charge certain handling fees or interest when handling installment payments, but the specific fee standards will vary depending on the bank, credit card type, repayment period, loan amount and other factors.