359.33 yuan. The handling fee rate for 12 installments of CITIC Bank credit card installments is 0.65. Monthly repayment for spending 4,000 yuan by credit card: handling fee 4,000X0.65 principal 4,000/12=26 333.33=359.33 yuan. CITIC Credit Card cash withdrawal of 4,000 in 12-month installments will cost you 359.33 yuan each month together with interest. Credit card refers to a credit payment instrument provided by banks and other financial institutions to their customers with functions such as consumer credit, transfer settlement, and cash deposits and withdrawals.