2. The more credit card installments, the higher the handling fee rate. For example, the handling fee to be paid in the 24th installment is definitely higher than that in the 3rd installment (some banks have special circumstances). In addition, when paying by installment, you should also pay attention to the following matters:

(1), you need to apply for the credit card installment number. You can apply by phone or online banking (if your card has automatic installment function, you don't need to set it).

(2) Credit card installment payment is divided into consumption installment and bill installment. Consumption installment means that you choose to buy things directly, and bill installment means that only you can pay off the bills you can't pay off at one time. The application time for two installments is different. See the bank installment regulations for details.

(3) Staging will occupy your quota. For example, if you buy a 5000 yuan mobile phone, your credit card limit is 5000 yuan, so you won't use it. You need to pay one installment before the quota will be restored.

(4) Finally, remember to repay the credit card in installments in time. Once overdue, it will not only affect personal credit, but banks will also charge more interest.