it is better to repay in advance when there is demand and the interest rate is favorable, which can reduce the interest cost-effectiveness. According to the history of installment rate, CCB often offers preferential interest rate, with the lowest rate of .45%. If you happen to be in urgent need of capital turnover in wedding, child-rearing and settling down, you can apply.

Generally, there are 6, 12, 18, 24, 36, 48 and 6 installments (months) that CCB can choose, and the monthly fee rate is .5%. The fee payable for each installment = actual installment payment amount × monthly fee rate. According to the number of transaction periods, the handling fee will be recorded monthly from the first billing date after the transaction is completed, and will be fully included in the minimum repayment amount of the credit card.