If you are operating bill installments, our bank currently provides seven installments: 2, 3, 6, 10, 12, 18 and 24. The corresponding procedures for each installment are The rates are 1.0%, 0.9%, 0.75%, 0.7%, 0.66%, 0.68%, and 0.68% respectively. The second phase can only be applied through our bank’s mobile banking and mobile life channels. Handling fee per period = total installment principal × handling rate per period for the corresponding period. The handling fee will be credited to the credit card's RMB account in installments after the bill installment business application is successful. For U.S. dollar bill installments, the handling fee is calculated based on the total RMB installment principal amount after conversion at the specified exchange rate. Once collected, the bill installment handling fee is non-refundable.