Overlapping consumption can be staged. After the bill comes out, apply for bill installment, as long as the accumulated consumption reaches 300. There is no interest on the installment, only the handling fee, and the amount of the handling fee depends on the number of installments, as follows: \ x0d \ x0d \ China Merchants Bank provides various installments, including 3 installments, 6 installments, 10 installment, 12 installment, 18 installment and 24 installment, and the corresponding handling fee rate for each installment is 0.9% and 0.9% respectively. \x0d\\x0d\ handling fee for each installment = total installment amount × handling fee rate for each installment. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, the installment amount and the handling fee of each period are recorded. ; \ x0d \ x0d \ If it is divided into six installments, the handling fee for each installment is 3000*0.75%=22.5 yuan, and a total of 522.5 yuan is enough for each installment, and there are no other fees.