Credit card installment business and loan are not a kind of business, and they charge a handling fee instead of loan interest. With the popularity of credit cards, credit cards occupy a lot of bank funds by stages. Considering the rising cost of capital, the bank raised the installment fee.

Credit card installment business is mainly divided into three categories: bill installment, single consumption installment and cash installment. Although it is "interest-free", the installment fee should not be underestimated, and some are even high. Some fees are collected in advance at one time, and some are repaid with the principal on a monthly basis. One-time charge, if the user repays in advance, the handling fee will not be refunded.