Generally, the installment of Everbright Credit Card is to deduct 12 month's handling fee (i.e. interest) and repayment in the first month, and then deduct only the principal every month. The interest rate of credit card fees varies from person to person and from time to time, generally around 7% to 8%. Take 12 installment with 0.78% interest of 30,000 yuan as an example. The first month's repayment is 2808 (handling fee) +2500 (principal), and the next month's repayment is 2500//kloc-0, making a total repayment of 32,808. The specific interest rate suggests that you log in to the Everbright Credit Card APP and click on the loan, which will prompt you for the repayment amount. You can borrow it if you feel fit. If it is not suitable, don't go to the next step. It has no effect on you.