Dear friend, let me ask you a question. I used China Merchants Bank's credit card to buy goods worth 2,500 yuan, and paid in six-month installments. How much Qian Qian do I have to pay back every month? The handling fee for the sixth installment is 2500 x 0.75% = 18.75 yuan per installment, and there is no interest but handling fee for installment repayment. The monthly principal is 4 16.7 yuan. ; Without installment payment, only the minimum amount can be repaid, and the interest is calculated at the rate of 2500 x 0.05% per day from the date of consumption to the date of repayment. After partial repayment, the remaining arrears and accumulated interest of 2500 will be merged into the next repayment date.

Signing an installment agreement with a merchant is a matter between China Merchants Bank and the merchant. You just need to know what agreement the merchant you want to buy has with China Merchants Bank. For example, in Suning, if there are activities, staging is still free.

I'm not sure what the minimum amount is, I don't know when the consumption date is, I don't know when the billing date is, and I don't know how much interest there will be. But what is certain is that staging is more cost-effective than not staging. Generally, if it is not finished three times, it will be cost-effective in stages. If you repay more than four times according to the minimum amount, the total expenditure will be much more than the installment, and so on.