The handling fee for 12 installments of ICBC credit card is 7.2

The monthly handling fee = the amount of the installment * the handling rate of the corresponding period

2000* ( 7.2/12) = 12 yuan

So your monthly repayment amount is: 12 2000÷12=178.67 yuan, that is, you only need to repay 178.67 yuan every month without paying other fees