There is no interest on the credit card installment of Shanghai Pudong Development Bank, only the handling fee. The handling fee for each period under different periods is calculated as follows:

6 issues: (total amount+total amount * 0.78%)/6;

12: (total amount+total amount * 0.74%)/12;

15: (total amount+total amount * 0.75%)/15;

18: (total amount+total amount * 0.76%)/18;

24 issues: (total amount+total amount *0.76%)/24.