Hello.

If you use a credit card to make online purchases and pay in installments, you will need to pay an installment fee and there will be no interest.

Each bank has an installment fee rate. Some charge it once, and some charge it monthly. The amount charged = transaction amount * handling rate.

If it is collected in one lump sum, the handling fee will only be deducted in the first month, and the installment principal + all handling fees will be repaid in the first month. The principal of the installment will be repaid in each subsequent installment. If it is collected in installments, In other words, it means repaying each period, and the money repaid in each period is the principal of each period + the handling fee of each period.

The specific handling fee depends on which bank you choose. The installment handling fees of different banks are different. The installment handling fees of Agricultural Bank of China and Postal Savings Bank are relatively low.

If you don’t understand, please ask, I hope you can adopt it.