The credit card interest rate is 0.6% to 0.8%. Credit card installment interest rate is the fee charged by the bank for providing installment payment service for cardholders. The common calculation method of installment interest rate is to charge the handling fee on schedule, such as the handling fee rate of 0.6% to 0.8. Take the consumption of 12000 yuan as an example, and repay in 12 installments. If the commission rate for each period is 0.6%, then the interest rate for one year is 0.6% times 12. Credit card is a non-cash transaction payment method and a simple credit service. Issued to cardholders by banks or credit card companies according to users' credit and financial resources. Cardholders don't need to pay cash when using credit cards, but can repay on the settlement date. It is characterized by not encouraging cash deposit, repayment after consumption, interest-free repayment period and installment repayment.