Hello, if you hold a credit card from our bank and it is inconvenient to repay the bill in full, there are two ways for you to choose:

1. Bill installment: It is a financial management function that repays your credit card transactions in installments, including installments for transactions that have not been billed and bills that have been issued. Our bank provides cardholders with personalized options of 2, 3, 6, 10, 12, 18 and 24 periods. The corresponding handling fee rates for each period are 1.0, 0.9, 0.75, 0.7, 0.66, 0.68, 0.68. To apply for installment payment for unbilled transactions, currently only 2, 3, 6, 10 and 12 installments are available. Two of the phases can only be applied for through our bank’s mobile banking and mobile life channels. For details, please log in to the credit card website/ and click "Financial Installment" - "Bill Installment" to inquire;

2. Minimum repayment: no handling fee but no interest-free period. If you repay the minimum payment amount before the final payment date but less than the full amount, you will not be able to enjoy the interest-free repayment period. The interest is: each consumption amount in the previous period's bill is the interest-bearing principal, and the amount will be recorded from that account The number of days for interest accrual is from the date to the date when the account is paid off, and the daily interest rate is 5/10,000. , until you pay it all back.

You can choose the repayment method according to your own situation.