Credit card loans do not charge interest, only handling fees, specifically:

1. Industrial and Commercial Bank of China. The handling rate for cash installment business is 1.34 for 3 installments, 2.35 for 6 installments, 3.35 for 9 installments, 4.35 for 12 installments, and 4.35 for 18 installments. is 6.83, and the handling fee is 8.99 in 24 installments.

2. CITIC Bank. The monthly handling fee of Yuanmengjin is 0.75 (annualized rate is 16.24-21.26). The handling rate of New Express is 1.5 for 1 period, 0.82 for 3 periods, 0.82 for 6 periods, 0.77 for 12 periods, 0.76 for 24 periods, and 0.76 for 36 periods (annualized rate is 14.70-21.61).

3. China Construction Bank. The base rates for CCB credit card installments are: 0.75 for 3 installments, 0.70 for 6 installments, 0.65 for 10 installments, 0.60 for 12 installments, 0.60 for 18 installments, and 0.62 for 24 installments.

4. Agricultural Bank of China. The handling fee for bill installment, consumption installment and merchant installment is 0.6. Cash installment is a one-time charge, handling fee = 0.7*principal*number of installments.