First, the credit card has a special car purchase installment, which will allocate a special car purchase quota and then repay it in installments. The handling fee depends on the issuing bank and model. It is best to contact the customer service of the issuing bank for confirmation.

Second, if the cardholder does not buy the car by stages, but handles the general consumption by stages of China Merchants Bank, the handling fee for 12 is 0.66%, that is, the repayment for each period is 35,000/12+35,000 x 0.66% = 3147.67 yuan.