Bank of Communications credit card can be divided into three phases, namely, phase 3, phase 6, phase 9, phase 12, phase 18 and phase 24. The credit card of Bank of Communications is charged by installment fee, and the installment fee for each installment = total installment amount * installment rate of corresponding installment number. The Bank of Communications credit card is divided into three phases, with the installment rate of 0.93%, six phases, with the installment rate of 0.8%, nine phases, 12, 18 and 24 phases, with the installment rate of 0.72%.

If necessary, you can apply directly at the counter of Bank of Communications outlets, or log in to Bank of Communications official website (m.com/content/index.html) and click on "installment credit", "divide if you want" or "cash installment" to apply.