If you don't pay the bill in full and there is no interest-free period for consumption, the bank will charge interest at the rate of five ten thousandths from the date you enter the bank. I can give you a rough calculation.

Suppose you pay back 20000 yuan every month, then the interest in the first month is 20000*0.0005*30=300, and the interest in the second month is (20000-2000+300) * 0.0005 * 30 = 274.5, and so on, 65438.

You can apply for the installment of CCB bills, that is, from the billing date to the final repayment date, you can apply to CCB for the installment of bill consumption (only once every 30 days). However, the maximum application amount does not exceed 90% of the total consumption in the bill. If the installment amount is enough, you can apply for the installment of 18000 at most if you spend 20000. If it is divided into 12 installments, the installment amount of each installment is18000/12 =1500, and the installment fee of each installment is 18000*0.54%=97.2,/kloc-0. The installment amount recorded in each installment is 1500+97.2= 1597.2. As long as you repay in full and on time, you can enjoy the interest-free period of installment repayment.

So you'd better handle the installment, which is much more cost-effective. At present, the installment fee of CCB is preferential. You can log on to the CCB credit card website to learn more.