1, Everbright Credit Card will charge RMB 3,000 in six installments without interest, and the first installment fee = 3,000 * 4% = 120 yuan, that is, the first installment fee is120 yuan except 500 yuan, and the rest will be repaid in 500 yuan.

2. There are 3 installments, 6 installments, 9 installments and 12 installments, and the handling fees are 2%, 4%, 5% and 6% respectively (one-time charge).