1. The calculation method is as follows.

1.3 will charge a one-time handling fee of 2.55 in installments or 0.85 in installments;

2.6 will charge a one-time handling fee of 4.20 in installments or will charge 0.75 in installments;

3.12 installments will charge a one-time handling fee of RMB 8.40 or installments of 0.75/issue;

4.18 installments will charge a one-time handling fee of RMB 12.60 or installments of 0.75/issue;

5.24 A one-time handling fee of RMB 16.80 or an installment payment of RMB 0.75/issue will be charged; 6.36 installments will be charged a one-time handling fee of RMB 23.40 or an installment payment of RMB 0.72/issue.

7. Industrial Bank credit card bill installment payment is an installment payment service provided for bills that have been issued. After paying a certain credit card installment service fee, the cardholder can repay a certain proportion of the unpaid portion of the billed consumption transaction amount in equal installments according to the number of installments applied by the cardholder, of which RMB bills and US dollar bills need to be repaid in equal installments. Apply separately.

II. Contents related to installment interest handling fees

1. Bank credit card installments require handling fees. The handling fees vary according to the installment period. The greater the number of installments, the higher the interest rate. The interest required to be paid will also be different. It is recommended to check the official credit card website for specific rates. At present, after comprehensive calculation of the 7.2 fee rate adopted by most banks, the expected annualized interest rate that must be borne actually exceeds 20. Therefore, users are asked to consider clearly how many installments are more cost-effective, rather than the more installments, the better.

2. Generally speaking, since you cannot enjoy the "interest-free period" and the bank will charge overdraft interest at the standard of 0.05% per day starting from the day of consumption, the "minimum repayment amount" method will be used for installments. The cost of repayment is generally the highest among all installment repayment methods. The interest costs of "bill installment" and "consumption installment" will vary depending on the number of installments and handling fees of each bank. However, no matter which installment method is chosen, the cardholder will actually need to pay interest or handling fees that are much higher than the expected annual interest rate of the central bank's one-year loan benchmark. Therefore, we recommend that cardholders weigh carefully before choosing credit card installments, and at the same time understand in detail the corresponding installment costs and the card issuer's relevant regulations on early repayment, so as to avoid blindly choosing unnecessary installment services.