Hello, the handling fee is included in the installment. If it is a bill installment, the handling fee for each installment = the total amount of the installment × the handling fee rate for each installment. The minimum handling fee for each installment is 5 Yuan, 0.9 per period for 3 periods, 0.75 for 6 periods, 0.70 for 10 periods, 0.66 for 12 periods, 0.68 for 18 periods, and 0.68 for 24 periods. Whether the application for bill installment is approved shall be subject to the comprehensive assessment result of our bank's credit card center. Please refer to the bill amount. If you have any other questions, please open the China Merchants Bank homepage www.cmbchina.com and click "Online Customer Service" in the upper right corner to enter the consultation.