Bank of Communications provides six issues: 3, 6, 9, 12, 18 and 24. At present, the handling fee rate of each installment is 0.72% (the specific handling fee rate is subject to the bank notice when the customer applies for installment), and the handling fee of each installment = the total amount of installment principal × the handling fee rate of the corresponding installment.

The repayable principal of each installment is equal to the total installment principal divided by the number of installments. The principal payable for each installment is credited to the cardholder's credit card account every month, and the balance is credited to the last installment. The handling fee is charged monthly according to the amount of the installment transaction, the installment rate (currently 0.72% per month) and the number of installments.