Everbright Bank will charge 7% for credit card bills in installments 12 months. If the installment amount of the bill is 18000 yuan, the handling fee is 1260 yuan. The interest is 0.5 ‰ of one-day circulating interest, and the annual interest rate is about 18%, so the total interest is 3,240 yuan. The monthly repayment is (18000+3240)12 =1770 yuan.

Of course, there is a handling fee. The handling fee is paid in the month of installment, so the bill should be paid in the first month after installment: 1770+ 1260=3030 yuan. 1 1 month later, every month is 1770 yuan.