The installment rate of ICBC's credit card is charged according to the number of installments, namely, 3 installments 1.03%, 6 installments 1.8%, 9 installments 2.75%, 12 installments 3.58%, 18 installments 5.36% and 24 installments 7.05%. You can apply for installment payment every time you spend money in 600 yuan by credit card. 12 yuan applies for installment payment for one year 10000 yuan, the handling fee is 358 yuan, and the handling fee is interest, and no interest is charged.