The credit card installment fees of each bank are different, but the fees of large banks are much lower than those of small banks.

If divided into 3 installments, the ICBC credit card installment plan is the most cost-effective. It is more cost-effective to choose credit card installments from Agricultural Bank of China, CITIC Bank, China Construction Bank, and Postal Savings Bank in installments of 3 to 12 installments. If the installment payment exceeds 12 installments, choose the China Construction Bank credit card with the lowest installment rate.

The handling fee standard for credit card installment fees:

1. Industrial and Commercial Bank of China: Free of charge for 3 installments, 1.8% for 6th installment, 2.7% for 9th installment, 3.6% for 12th installment , the rate for 18 periods is 5.85%, and the fee for 24 periods is 15.6% (one-time charge).

2. Agricultural Bank of China: The monthly installment rate is 0.6% (charged monthly).

3. Bank of China: The rate for period 3 is 1.95%, the rate for period 6 is 3.6%, the rate for period 9 is 5.4%, the rate for period 12 is 7.5%, the rate for period 18 is 11.7%, the rate for period 24 is 15% (one-time).

4. China Construction Bank: The interest rate for the third period is 0.7%, the interest rate for the sixth period and the 12th period is 0.6% respectively (collected monthly).

5. CITIC Monthly Bank: The fee rate for the first period is 0.50%, the fee rate for the third period is 0.82%, the fee rate for the sixth period is 0.82%, and the fee rate for the 12th period is 0.77% (collected monthly).