If you have a permanent limit of 200,000, and then consume all 200,000 in one bill, you can apply for CCB's bill installment. That is, between the billing date and the final repayment date, apply to CCB to apply for installment of the billed consumption amount (can only be applied for once in 30 days). However, the maximum application amount shall not exceed 90% of the total consumption amount in the issued bill (excluding cash withdrawals, installment payments, and other transactions specified by CCB). This application is for the entire bill.

For a bill amount of 200,000, the maximum installment amount that can be applied for is 20*90=180,000. If you apply for 24 installments, the principal of each installment is 180,000/24=7500. The installment procedures for each installment The fee is 180000*0.5=900, the total handling fee for 24 periods is 900*24=21600, and the installment amount recorded in each period thereafter is 7500 900=8400.

Currently, China Construction Bank’s bill installments have discounts on handling fees. I will calculate the preferential rates for you. You can also go to the CCB credit card website and click on bill installments to learn more about the specific situation.