Suppose you apply for consumption installment, and you can apply for consumption installment from the end of consumption to two days before the bill date. You can choose three installments, six installments, 12 installment, 18 installment and 24 installment (once a month), and the corresponding handling fees are 0.7%, 0.6%, 0.6% and 0.6% respectively. (Monthly handling fee = total installment amount * handling fee rate).

23,000 is divided into 24 installments, and the amount to be repaid in the first installment and subsequent installments is 23,000 ÷ 24+23,000× 0.6% = 958.33+138 =1096.33.

The amount of the first installment is recorded on the billing date of the current bill, and the repayment date is 20 days after the billing date.

If you don't pay it back at maturity, there will be late fees and interest, and your credit history will also be affected. The late payment fee is 5% of the unpaid part of the minimum repayment amount, with the minimum 5 yuan. The interest shall be calculated at 0.5 ‰ per day from the transaction entry date.

If there are no other transactions on the bill, the installment amount is your minimum repayment amount.

Therefore, the late payment fee is 1096.33×5%=54.82.

The interest is calculated from the transaction entry date to 23,000× 0.0005, until you handle the consumption installment, and from the billing date to 65,438+0,096.33× 0.0005, until repayment.

Since it has been phased and the repayment pressure is less, it is better to repay on time. If it is overdue, it will not only pay more, but also affect your credit history, and the impact will not be eliminated immediately for a long time.