Staging of China Merchants Bank: the minimum handling fee for each stage is 5 yuan, and the total handling fee = handling fee for each stage × number of stages. Commission rate: 0.9% for the third phase, 0.75% for the sixth phase, 10 0.70%, 12 0.66%, 18 0.68%, and 0.68% for the 24th phase;

The installment fee of PUFA credit card is as follows:

It is divided into 6 periods, and the rate of each period is 0.78%; 12, 0.74% each; 15, 0.75% for each period; 18, 0.76% each; 24 issues, each 0.76%;

Therefore, the installment fee rate of China Merchants Bank is relatively low.