After the credit card applies for installment, the repayment amount in the first month of installment = total bill-installment amount, installment principal and handling fee are usually included in the next month's bill. For example, the user's bill for the current month is 10000 yuan, of which 5000 people choose installment, so only 5000 yuan will be paid in the first month of installment. Repay the installment principal and handling fee from the second month of installment, and the repayment amount of each installment = total installment amount/installment number+handling fee of each installment.

In fact, the system will automatically calculate the monthly repayment amount after credit card installment, and users can make repayment according to the bill amount issued by the bank in the future.