At present, the installment business of Everbright Credit Card only supports four types: 3, 6, 9 and 12. The installment fees are 2%, 3.50%, 5.00% and 7.00% respectively. Among them, it is more cost-effective to divide users into six periods, nine periods and 12 periods, because in the sixth period, among all bank credit card periods, the handling fee of Everbright Bank is the lowest, and the handling fee of the ninth period and 12 period is also the lowest compared with other banks, which are 5.00% and 7.00% respectively.

In daily life, credit card holders of China Everbright Bank can not only use China Everbright Credit Card to purchase daily necessities in installments, but also users can use China Everbright Credit Card to purchase cars in installments.