1. No matter whether it is a new credit card or not, as long as the amount of installment payment business exceeds RMB/HK$ 6 yuan and USD/Euro 1 yuan, and the consumption amount exceeds your consumption amount, installment payment can be made.

2. The minimum payment actually refers to credit card installment, but there will be corresponding handling fees.

3. According to what you said, the total * * * handling fee should be 35 * .6% = 21 yuan/month. Then, the total * * * of the service fee and principal for the 12th installment is 35+252 = 3752, and it should be repaid 312.67 per month.