ICBC is more cost-effective.

Details of handling fees for credit card installment payment:

Instalment payment with ICBC (RMB) card: no handling fee for 3 periods, 1.8 for 6 periods, 2.7 for 9 periods, 3.6 for 12 periods, 18 installments of 5.85, 24 installments of 15.6 (one-time charge)

CITIC Bank credit card installment payment: 3 installments of 1.95, 6 installments of 3.6, 9 installments of 5.4, 12 installments of 6.6, 18 installments of 11.52, 24 installments of 14.4

Bank of China credit card installment: 1.95 for 3 installments, 3.6 for 6 installments, 5.4 for 9 installments, 7.2 for 12 installments, 11.7 for 18 installments, 15 for 24 installments

Instalment payment for China Merchants Bank credit card bill: 3 installments 2.6, 4.2 for 6 periods, 7.2 for 12 periods, and can be divided into 12 periods at the longest.

The Agricultural Bank of China’s standard ordinary card installment payment is fixed at: 0.6% per month (for example, 1.8 for 3 periods, 3.6 for 6 periods, 5.4 for 9 periods, and so on) and can be divided into up to 24 periods.

Bank of Communications credit card installment payment: the transaction amount reaches 1,500 yuan (0.72/month), the transaction amount reaches 6,500 yuan (0.70/month), the transaction amount reaches 12,500 yuan (0.68/month), it can be divided into 3, 6, 9, 12, 18, 24 monthly payments.

Instalment payment by China Construction Bank credit card: 2.1 for 3 installments, 3.6 for 6 installments, 7.2 for 12 installments, up to 12 installments.

Instalment payment with Guangfa Card: 6 and 12 installments are both 0.65/month, 18 installments are 0.7%/month, and 24 installments are 0.72/month.

China Everbright Bank Standard Card Installment: Apply for installment repayment before consumption, 12-month installment, charge 0.5 per month. The types of bill installments include 3, 6, 9 and 12 installments. The handling fees are 2, 4, 5 and 6 respectively, which are collected in one go.

Shanghai Pudong Development Bank’s standard card installment payment: 0.72/month for 3 installments, 0.7/month for 6 installments, and 0.66/month for 12 installments.