If you use a China Post credit card to spend 10,000 yuan and choose to repay in 12 or 24 installments, the monthly repayment amount and interest are calculated as follows:

12 installments Installment: The amount payable in each installment is 10,000 yuan divided by 12 installments, plus 0.6% of the installment amount as a handling fee, which is 838.33 yuan (10,000/12+10,000/12*0.6%).

24 installments: The amount payable in each installment is 10,000 yuan divided by 24 installments, plus the handling fee, which is 419.17 yuan (10,000/24+10,000/24*0.6%).

The installment options for China Post Bank credit cards include 3, 6, 12, 18 and 24 installments, and the Gold Leaf Card product provides an additional 2 installments. The installment handling fee is charged monthly and is calculated as 0.6% of the total installment principal. For specific rates, please consult customer service at 40088-95580. The threshold for installment application is low, the transaction amount is only 500 yuan, and the handling fee does not increase with the increase in the number of installments. It is collected in installments, which helps to reduce the pressure of first installment repayment.

Instalment application can be made by calling 40088-95580, Postal Savings Bank online banking, mobile banking, upstream SMS or micro-banking. A 20 yuan fee is required to cancel transaction installments and bill installments, but merchant installments do not charge this fee. There are no additional handling fees for early repayment, but handling fees will be charged for the unamortized principal portion.

The above information comes from the credit card installment regulations and terms of the Postal Savings Bank of China, as well as relevant information on application methods.