Hello, the installment of the bill is interest-free and there is a handling fee. Handling fee for each period = total amount of each period × handling fee rate for each period, minimum handling fee for each period is 5 yuan, and total handling fee = handling fee for each period × number of periods. Service rates: 0.9% for Phase III, 0.75% for Phase VI, 0.70% for 10, 0.66% for 12, 0.68% for 18 and 0.68% for Phase XXIV. As far as interest rate is concerned, the longer the number of installments, the lower the interest rate. However, because the installment fee is not collected at one time, it is calculated on schedule, and the total cost is that the longer the number of installments, the more the total cost. Whether the bill installment application is approved or not shall be subject to the comprehensive evaluation results of our credit card center. For details, please log on to the credit card website/click "Credit Financing"-"Bill Installment" to inquire.