1. The optional installment payment function needs to be activated by calling customer service before consumption. After activation, each purchase (including unaccounted amount) will be automatically divided into 12 installments for repayment, and each installment will be repaid according to the A handling fee of 0.5% of the total transaction amount is charged, with a minimum of 1 yuan (or equivalent foreign currency).

2. Bill installment is a service provided by China Everbright Bank to customers to pay their consumption amount in installments. Everbright Bank credit card holders can apply for installments for the consumption amount shown on the current bill (i.e. the consumption amount that has been billed for the current period) from the bill date to the due repayment date. The amount applied for installment must be greater than RMB 500 (inclusive).