The issued bill can be applied for installment, and the installment amount can be up to 95% of the total amount of new RMB credit card consumption in the current period. After the application is successful, the current bill only needs to repay the undistributed amount, and the down payment and handling fee are included in the next bill. Handling fee per installment = total installment amount × handling fee rate per installment. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, the installment amount and the handling fee of each period are recorded. Our bank provides cardholders with personalized choices such as 2, 3, 6, 10, 12, 18 and 24, and the corresponding handling fee rates for each period are 1.0%, 0.9%, 0.75% and 0.7 respectively.