The credit card interest rate for this period is 22.32%.

100,000 yuan is divided into 36 installments. The handling fee is calculated as a one-time charge. The interest rate is 22.32%. The total interest is 22,320.00 yuan. The total repayment is 122,320.00 yuan. The monthly payment is 2,777.78 yuan.

The installment interest rate of credit card for large consumption is determined based on the number of installments. The shorter the installment number, the lower the interest rate. On the contrary, the longer the installment number, the higher the interest rate.