Pudong Development Credit Card can be divided into 3 months, 6 months, 12 months, 15 months, 18 months and 24 months. Divided into 3 phases, 0.9%; divided into 6 phases, 0.78%; divided into 12 phases, 0.74%; divided into 15 phases, 0.75%; divided into 18 phases and 24 phases, both 0.76%. Handling fee per period = total installment amount × handling fee rate per period. For example, 10,000 yuan is divided into 24 installments, and the repayment amount in each installment = 10,000÷24+10,000×0.76%=492.67 yuan.

In fact, many balance compensation platforms now do quite well, such as Payback. If you have trouble paying off your credit card next time, you can ask Huanbei to pay it off for you first, and then you can pay it back in installments. The interest Huanbei will charge is at least half of the bank interest.