If this 4000 yuan is spent by credit card, it can be paid in installments; if it is overdrawn, it cannot be paid in installments. If the single consumption exceeds 1000 yuan, you can apply for installment consumption. There are 3, 6, 65, 438+02, 65, 438+08 and 24 installments to choose from, and a certain monthly handling fee is charged, excluding interest. The handling fee rate is as follows:

The number of periods is short, the handling fee rate is high, but the total cost is low. If the cycle is long, the handling fee rate is low, but the total cost is high. So, it depends on your tolerance. If you can't afford a small repayment, choose a long one. Although the total handling fee will be high, the monthly expenses will be low and there will be no pressure. If the funds in hand are ok and can be turned around in a short time, then choose the one with a short term, and you can bear less handling fees.

For example, the landlord owes 4000 yuan, which can help you calculate the term of the second half of the year and one year. You can compare and measure it.

Half a year, handling fee: 4000*0.006=24 yuan/month? Total handling fee for half a year: 6*24= 144 yuan/principal for half a year: 4,000/6 = 666.67 yuan/month, and 24+666.67=690.66 yuan/month should be repaid in equal amount.

One year, handling fee: 4000*0.006=24 yuan/month, total handling fee for one year: 12*24=288 yuan, principal: 4000/ 12=333.33? Average monthly repayment: 24+333.33=357.33 yuan/month.

In addition, installment consumption should be handled from the end of consumption to 2 days before the latest bill date (that is, before the bill is issued). You can register a real-name registration system user on the credit card website of CCB, enter "My Credit Card", select an unbilled RMB account, click the "Apply for Consumption Staging" button, select the number of stages, and confirm the application information and submit it.