Bank credit card installments include three or six installments, but not five installments.

You need to apply for installment from the bank. There is an installment fee but no interest (the actual fee is interest).

The six-phase handling fee is 4.20% for CCB and 3.80% for Everbright

That is, CCB handling fee = 5000*4.20%=210

Ebright handling fee Fee=5000*3.80%=190

The installment fees of both banks are charged in one lump sum.

It can be seen from this that Everbright is cost-effective.

I hope the above answers are helpful to you.