Introduction of credit card installment fee of CITIC Bank: There are six kinds of installment fee of CITIC Bank: 3, 6, 9, 12, 18 and 24. The charging method is to charge the current fee every month, with a single starting point of 100 yuan and a cumulative starting point of 200 yuan.

The handling fee rate for repayment in twelve installments is 6.5%, and the handling fee for each installment = 12000*0.65%=78 yuan.

The repayment amount of each installment =12000/12+78 =1078 yuan.