First, when applying for consumption installments with a CCB credit card, the handling fee for the three installments is 0.7 of the total installment amount, and the handling fee for the remaining installments is 0.6. The installment fee is charged once per installment, and the calculation formula is 5000/12

5000

x

0.6

=

446.67

yuan.

Second, consumption corresponding to overpayment and temporary limit cannot be applied for consumption installments. Transactions applied for consumption installments by cardholders can only be processed based on the full amount of the transaction, and the installment amount cannot be selected arbitrarily.

Third, the cardholder has successfully applied for consumption installment. If he applies for early repayment, he must pay the remaining principal and installment fee in one go.

Fourth, transactions that cannot be applied for consumption installment include: cash withdrawals, installment payments, real estate, securities investment, and interest and various handling fees charged in accordance with the CCB credit card regulations and application agreement (such as Annual credit card fees, cash withdrawal transaction fees, late fees, over-limit fees and other credit card charges) and transactions otherwise designated by China Construction Bank.