Credit card bill installments cannot be spread over 5 years, and the longest bill installment period is 2 years.

In addition, the installment handling fees of each bank are different. The detailed calculation method is as follows:

Instalment payment does not include interest and is directly calculated as the installment handling fee. It will be calculated together after the monthly bill is issued. A monthly handling fee will be charged.

Amount payable in each period = total amount of card consumption * handling fee Total amount of card consumption / number of installments

Handling fee payable in each period = total amount of card consumption * handling fee

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Total installment *** handling fee payable = total amount of card consumption * handling fee * number of installments