Installment payment is actually a good way to improve credit, because the credit card itself is convenient for people to pay slowly, but installment payment needs to be paid on time, otherwise it will affect credit. Credit cards never require borrowers to repay in full every time, but installment payment requires a certain amount of interest. As for personal credit information, it does not affect.

：

When the credit card is repaid in installments, if the cardholder can guarantee the repayment on time, there is no need to pay the interest of CCB's credit card installment, but the bank will charge a certain handling fee (possibly 0) according to the regulations.

If Mr. X spends 1.200 yuan in CCB Longka credit card installment merchants, the handling fee rate is 0. 12. 1%. When Mr. X pays, he signals the cashier to pay in installments. If he chooses six installments, he doesn't need to pay any fees except the amount of the goods, and only needs to repay 200 yuan every month. If Mr. X chooses 12 installment, he will pay back 100 yuan every month, but in the first month, he will pay back1200×1%=12 yuan.