Shanghai Pudong Development Bank credit card installment payment does not charge interest, only handling fees. Currently, Shanghai Pudong Development Bank credit card installment payment options include 3, 6, 12, 15, 18, and 24 installments, and the corresponding handling rates are 0.90%, 0.78%, 0.74%, 0.75%, 0.76%, and 0.76%. The calculation formula of the handling fee is as follows: handling fee per period = total installment amount * handling rate per period. Assuming that the cardholder pays 10,000 yuan in 12 installments, the handling fee for each installment should be 10,000 yuan * 0.74% = 74 yuan.