Now the credit card installment fee is charged in one lump sum

0.65 per month, charged in one lump sum

Handling fee = total principal*0.65*12 =240

The first month’s principal repayment fee=586

The monthly principal repayment starting from the second month is 346

Total payment 4153.50 yuan, divided into 12 installments is 346. There is always a handling fee for installments, but you pay the handling fee all at once when you pay in the mall. The handling fee for 3900/12 installments is 0.65, which adds up to 4153.5 Ah, if your monthly installment is 346.13, that’s right

I hope my answer can help you.