Phase III 1.03%, Phase VI 1.8%, Phase IX 2.75%, Phase VI 12 3.58%, Phase VI 18 5.36%, and Phase IV 7.05%.

In the third phase of ICBC credit card purchase, 4,000 yuan = 4,000 *1.03% = 41.2 yuan, and the first repayment will be paid in one lump sum.

The principal payable for each period is =4000/3= 1333.33, the principal payable for the first period is 1334 yuan, and only the principal payable for the other two periods is 1333 yuan.

Down payment = handling fee+down payment principal = 41.2+1334 =1375.2 yuan.

The first repayment should be made at any time before 9: 00 pm on the 25th of the following month, so as not to delay the collection.

Repay at any time before 9: 00 pm on the 25th of each month.