There is a handling fee for installment repayment, which is still very high when converted into real interest rate, but the cost of installment repayment is lower than the cost of repayment according to the minimum repayment amount, which is a compromise choice when full repayment cannot be made.

2. Repay according to the minimum repayment amount.

If the bill is expected to be paid off soon, you may wish to repay it according to the minimum repayment amount first. Generally, the calculation method of the minimum repayment amount is 10% consumption+10% cash withdrawal+100% installment principal+100% expenses and interest. Of course, if you pay more, the interest will be less. The interest on the credit card is 0.5% of the daily interest, compounded monthly.