The CCB credit card does not require interest for 12 installments of 5,000, and only needs to pay a handling fee. The handling fee is charged monthly, and the rate is 0.6. Call the bank's credit card center, select "Credit Card", and then select "Manual Service". The bank's credit card customer service specialist will accept the user's business application; the user can also log in to the bank's credit card online banking and use the bank's credit card consumption installment business self-service function.

Extended information:

CCB credit card installments are divided into: bill installments, cash installments, car purchase installments and consumption installments. Different installment methods have different handling fees.

1. Bill installment: The rates for bill installment are 0.75 for 3 periods, 0.70 for 6 periods, 0.65 for 10 periods, 0.60 for 12 periods, 0.60 for 18 periods, and 0.62 for 24 periods. Monthly handling fee = total installment amount * monthly rate.

2. Cash installment: The cash installment rate is 0.81 for 3 installments, 0.75 for 6 installments, 0.75 for 12 installments, 0.75 for 18 installments, and 0.75 for 24 installments. Monthly handling fee = total installment amount * monthly rate. If the current repayment amount listed on the bill is paid in full before the due payment date, the customer can enjoy interest-free treatment for the principal repayment of the current month's installment.

3. Car purchase installment: The car purchase installment fee can be charged in one go or in installments, and will be reflected in the first month's bill after the transaction. Cardholder handling fee = installment amount × cardholder handling fee. The handling rates will vary depending on the dealer or car model selected by the customer. After the application is successful, the customer only needs to repay the current repayment amount listed in the bill in full before the due repayment date, and the principal repayment in the current month's installment can enjoy interest-free treatment.

4. Consumption installment: The handling rate for consumption installment is divided into 0.70 for 3 periods, 0.60 for 6 periods, 0.6 for 10 periods, 0.60 for 12 periods, 0.60 for 18 periods, and 0.60 for 24 periods according to the number of periods applied by the customer. The handling fee for each period = the amount of the installment * the handling rate for the corresponding period.

Warm reminder: 1. The above quotation is the base price of the head office. For details, please refer to the prompts of our bank during actual processing.

2. If the current repayment amount listed on the bill is paid in full before the due payment date, the customer can enjoy interest-free treatment for the principal repayment of the current month's installment.

3. If the customer has other installment needs, it is recommended that the customer call the China Construction Bank hotline 95533 and follow the voice prompts to select "Credit Card Business".