China bank credit card 6 has an interest of 432 yuan in 12 months. The maximum handling fee standard of China Bank by installment is .65% for the third installment, .6% for the sixth installment, .6% for the ninth installment and .6% for the twelfth installment. The monthly interest of 6, times .6% is equal to 36 yuan, and the total interest needs to be changed. 36 times 12 is equal to 432 yuan.