The credit card installment business of domestic banks is interest-free and only charges a handling fee. Sometimes banks may not charge interest or installment fees when they engage in activities. Shanghai Bank Credit Card provides bill installment business, allowing cardholders to make installment payment within the installment amount after deducting the amount that cannot be transacted by installment.

After using the Shanghai Bank credit card to make a large amount of consumption, the cardholder shall apply for bill installment from the day after the bill date to the due repayment date. Only one billing installment can be successfully applied in each billing cycle. The lower limit of the application amount for "bill installment" is 65,438 yuan+0,000 yuan (RMB consumption only), and the upper limit does not exceed 95% of the total RMB consumption of the latest bill, subject to the limit approved by Shanghai Bank. The specified transaction types such as cash withdrawal, deposit, interest, late payment fee and installment transaction cannot apply for installment payment.

After handling the installment payment of Shanghai Bank's credit card, Shanghai Bank will charge the installment fee in proportion, with monthly fee = total installment amount * monthly rate. The optional repayment period and the corresponding installment fee standards are: 3 installments, 6 installments, 12 installment, 18 installment and 24 installment; 0.75%、0.65%、0.65%、0.67%、0.67%。 The cardholder can log in to the personal online banking of Shanghai Bank, enter the installment application page and select online application, and fill in the installment amount, number of installments and other information according to the page prompts to complete the installment application; You can also call the customer service hotline of Shanghai Bank at 95594 and select "Credit Card" to apply for manual service.