Different credit cards have different installment rates, and the interest rates are also different.

1. Industrial and Commercial Bank of China:

The interest rate for 12 installments of an ICBC credit card is 7.2%, so the interest for 12 installments of a credit card worth RMB 20,000 is: 20,000 × 7.2% = 1,440 yuan .

2. China Merchants Bank:

The China Merchants Bank credit card has 12 installments, and the rate for each installment is 0.53%. Therefore, the interest for 12 installments of a 20,000 credit card is: 20,000 × 0.53% ×12=1272 yuan.

3. Bank of Communications:

The Bank of Communications credit card has 12 installments, and the rate for each installment is 0.72%. Therefore, the interest for 12 installments of a credit card worth RMB 20,000 is: 20000×0.72%x12 =1728 yuan.

4. Shanghai Pudong Development Bank:

Shanghai Pudong Development Bank is divided into 12 installments, and the rate for each installment is 0.81%. Therefore, the interest for 12 installments of 20,000 credit card points is: 20000×0.81%x12= 1944 yuan.

However, it should be noted that although each bank has a standard set of credit card installment rates, they are not fixed. Banks in various places may make certain adjustments to installment rates based on local conditions and different cardholders.