CCB credit card has multiple installment businesses, and the handling fees for different businesses are different. Take consumption installment as an example. You can apply for consumption installments from after consumption to two days before the bill date. You can choose from 3, 6, 12, 18, and 24 issues (one installment per month). The corresponding handling fees are 0.7, 0.6, and 0.6 respectively. ,0.6,0.6. (Monthly handling fee = total installment amount * handling rate). 8000 is divided into 24 periods, and the handling fee for each period is 8000×0.6=48. The handling fee for 24 periods is 1152. As long as you repay the bill amount in full each month, you only need to pay the handling fee for this installment and there is no interest.