In the installment repayment method of Postal Savings Credit Card, the handling fee is calculated at 0.6% of the total monthly installment amount, and the principal is calculated separately. Installment periods include 3 months, 6 months, 12 months, 18 months and 24 months. Each period is one month, and corresponding handling fees will be charged every month. For example, if you pay 60,000 yuan in 12 installments, the monthly repayment will include a principal of 5,000 yuan (60,000 yuan divided by 12 installments) and a handling fee of 360 yuan (60,000 yuan multiplied by 0.6%).

It is worth noting that if your funds allow after the statement date, you can make early repayment by calling the Postal Bank credit card customer service hotline or online banking, which will release your credit limit, but the bank will not charge Early repayment fees. This means there will be no additional fees for early repayment, but make sure you understand the details before repaying.

Important: The cost of installment payment is a handling fee, not interest. If you still have questions about this or need a more detailed explanation, it is recommended to contact the customer service staff of Postal Savings Bank directly, and they will provide you with professional answers and help.