If you want to pay by installment, it is mainly the handling fee rather than the interest. I think your number is quite large. It should be the whole consumption period. I'll help you calculate it in installments according to the bill. Bill installment refers to the application for installment payment of bill consumption amount from the second day after the bill date to the final repayment date (only once every 30 days). The minimum application amount is 500 yuan RMB, and the maximum application amount does not exceed 90% of the total consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by CCB).

If your installment amount is sufficient (the installment amount is set at 100% of your credit card's permanent limit), the maximum installment amount you can apply for is 40000*90%=36000, and there are 24 installments (at most, there are only 24 installments but no 36 installments), then the installment principal of each installment is 36000/24 =150. The installment fee for each installment is 36,000 * 0.54% =194.4, the total fee for the 24th installment is 194.4 * 24 = 4665.6, and the installment amount recorded in subsequent installments is1500+194.4 =.

There is also a discount on the installment fee for applying for bills before the end of the year. I have given it to you at a preferential price. The installment amount will be settled in the bill every month. If you repay in full and on time according to the bill amount, you can also enjoy an interest-free period in installments. If you don't repay in full and on time, interest will be charged at the rate of five ten thousandths from the date of entry, just like consumption. Therefore, if you repay in full and on time, there is no interest but a handling fee for installment repayment.