Everbright Taobao movie credit card is not activated and there is no annual fee. If activated, the first year is free of annual fee. If you swipe your card for three times or the accumulated consumption amount reaches 2000 yuan, the annual fee will be exempted in the following year. The installment rates are: 12: 0.74%, 3: 0.88%, 6: 0.75% and 9: 0.72%. Repayment can be made in advance, with no residual handling fee.