As far as I know, the Bank of Communications credit card installment fee is determined based on the number of installments you choose. Now you can choose from 3, 6, or 12 installments for Bank of Communications credit card installments. The handling fees for each installment are different, and the interest-free handling rates for bill installments are 2.6, 4.2, and 7.2 respectively. For example, if the amount you want to pay in installments is 5,000 yuan, assuming the rate is calculated in six installments, the total handling fee that needs to be paid is: 5000X4.2=210 yuan. If there is no other consumption in this period , the landlord finally repaid 5,210 yuan. That is to say, after six installments, you have spent an extra 210 yuan. I don’t know if the poster understands my calculation. The poster can choose according to his actual situation. After the installment, he must repay the loan on time. It is best not to have overdue records. I hope my answer can help the original poster!