1, the credit card will arrive immediately after it is swiped out. The handling fee is about 35 yuan, the installment fee is about 40 yuan, and the total handling fee is about 500 yuan, which means that 6000 yuan is used for one year, which is about 500 yuan.

2. The loan is also repaid with equal principal and interest, with a monthly interest of 1.5% and a two-month interest of/kloc-0 of about 22.5%.

It is not easy to cash the IOUs. The cost of cashing out will exceed 65,438+00 points, unless you buy something in JD.COM and pay it back in installments. The installment fee is similar to that of a bank card.