China Merchants Bank credit card buys 5S in installments. The total amount is ***52, divided into 12 installments. Do you want to pay less down payment, or do you want to pay 52 at one time and apply for installment? Hello, according to the consumption pattern, at present, our bank has the stages of shopping at the time of consumption and billing after consumption:

1. Shopping stages: through our special merchants, we choose to buy the designated goods or services by installment. For the specific charging standard of installment payment and the merchants that can be handled, you can log on to our credit card website/and click "Installment Shopping" to inquire;

2. bill installment (only holders of business cards, business cards (including financial business cards), purchasing cards, ANA guarantee cards or supplementary cards cannot apply): if the merchant you shop is not a special merchant of our bank, you can apply for bill installment after consumption. Bill installment is a new financial management function launched by our credit card, which can help you repay the consumption amount in your bill in monthly installments. Whether the application for bill installment is passed or not is subject to the comprehensive evaluation results of our credit card center. For details, please log on to the credit card website/and click "Credit Financing"-"Billing Staging" to inquire.

bill installment is interest-free and charges a handling fee. Handling fee per installment = total installment amount × handling fee rate per installment. The minimum handling fee per installment is 5 yuan, with .9% for three installments, .75% for six installments, .7% for ten installments, .66% for twelve installments, .68% for eighteen installments and .68% for twenty-four installments. Whether the application for bill installment is approved or not shall be subject to the comprehensive evaluation results of our credit card center.