1. Interest-free installment payment provided by Bank of Communications credit card means that customers can freely divide their consumption into 6, 9, 1 2 and100 as long as their single credit card consumption exceeds RMB1,500 yuan or USD 100 (Y-POWER card is as low as RMB 500 yuan or USD 60 yuan). Not limited to merchants and commodities, customers can choose freely.

2. Cardholders can call the 24-hour customer service hotline 800-988-8888 or 02 1-53529888 two days after the consumer transaction date to three days before the due repayment date, and co-branded card users can handle it easily.

3. The handling fee is as follows:

Transaction amount (RMB) Monthly handling fee rate (%)

1500 (inclusive) -6500 0.72%

6500 (inclusive)-12500 0.70%

0.68% above 12500 (inclusive)