As for China Merchants Bank's credit card, in the case of applying for bill installment, we currently provide seven installment numbers, namely, installment 2, installment 3, installment 6, installment 10, installment 12, installment 18 and installment 24, and the corresponding handling fees for each installment are 1.0% and 0, respectively. Handling fee per installment = total installment principal × handling fee rate per installment corresponding to the number of installments. After the bill installment business application is successful, the handling fee will be credited to the RMB account of the credit card in installments. For installment payment of US dollar bills, the handling fee is calculated according to the total amount of RMB installment principal converted at the specified exchange rate. Once the bill installment fee is collected, it will not be refunded.