CITIC Bank's credit card installment payment rule is that as long as it is repaid on time, no interest will accrue, but installment payment will involve handling fees. The following are the specific standards for installment handling fees of CITIC Credit Card: the handling rate for the 3rd period is 0.80%, the 6th period is 0.80%, the 9th period is 0.76%, the 12th period is 0.73%, the 18th period and the 24th period are both 0.75 %, the 36th period is also 0.75%. When calculating the repayment amount for each period, the principal payable for the current period and the handling fee will be combined. Among them, the principal payable in each period is equal to the total amount of a single installment divided by the number of installments. If the principal cannot be divisible, the remaining part will be added in the first period. The handling fee for each period is the total amount of a single installment multiplied by the handling rate for the corresponding period. It is worth noting that if the total installment amount is less than 20,001 yuan, the handling fee will be charged in one go; if the total installment amount exceeds 20,001 yuan, the handling fee will be included in the installments according to the setting at the time of application, and once collected, it cannot be refunded. So when using installment payment, be sure to know the repayment amount of each installment to avoid additional fees.