There is a special formula for installment payment. I cut a picture for you on the website of CCB. Please have a look. You should also know that if you only pay the minimum repayment amount, your credit will not be affected, but the consumption does not enjoy the interest-free period, and the bank will charge interest at the rate of five ten thousandths per day from the date when your consumption is credited. If this 5,000 yuan is for consumption, and there is no minimum repayment in the early stage, and there is no installment, interest and expenses, there will be no other situation, that is, 5000* 10%=500. In the next month, if you pay back 500 yuan, your next minimum repayment amount is the accumulated unpaid consumption amount of 4500* 10%+ interest expense, and so on, every month. On your bill for each period, it will also show the minimum repayment amount for that period. You can do it according to this Personally, it will be more cost-effective for you to apply for installment, and the handling fee for installment will be less than the interest you pay. Moreover, CCB's bills are divided into stages and there are also fee concessions.