Although the credit card installment repayment rates set by banks are different, the difference is not big and cannot be generalized. Let's compare ICBC and ABC. The installment fee of ICBC's credit card is: free for the third installment, 6 installment 1.8%, 9 installment 2.7%, 12 installment 3.6%, 18 installment 5.85%, and 24 installment 15.6%. Installment fee for ABC's credit card: 0.6% per month ... If it is divided into three installments, ICBC will be more cost-effective, but if it is divided into six installments or longer, ABC will be more cost-effective.

However, my bills for the Spring Festival and Valentine's Day were paid with the amount of the APP. I can postpone the repayment for one month and enjoy personalized interest. The better the credit, the lower the interest rate, which not only relieves the repayment pressure but also releases the credit card limit immediately.