It is basically equal to the handling fee rate multiplied by 2, so it is still quite high, about 13%. I recommend you to return the credit card on behalf of the APP. The interest paid is much cheaper than the credit card bill in installments. If you have a good personal credit, you can get 50% off the bank's minimum repayment rate, which is about 8.9%. This interest rate is quite conscience. Not only lower than the bank bill installment and the minimum repayment interest, but also lower than other websites.