If the installment is successful, you will save more money now. This is called overflow, which can deduct your other consumption or the deducted consumption. If you withdraw, if you only withdraw the overflow deposit, the handling fee will be 0.5% of your withdrawal amount, starting from 10 yuan, and no interest will be generated. If the withdrawal part includes overdraft cash withdrawal, the overdraft part will be charged with a handling fee of 1%, totaling 10 yuan, and the overdraft part will be charged with interest of 0.5 ‰ per day, with monthly compound interest.

As long as the installment is successful, it will be reflected in your bill every month, and you can't cancel the installment. Even if you pay back the money, the handling fee will not be less!

If it is a youth card of Bank of Communications, it is a black-and-white card, and the cash withdrawal fee is only 5 yuan/pen.