0.72% of the handling fee refers to 0.72% of the total amount, and the total handling fee for 24 installments is 200,000 * 0.72% * 24 = 34,560 yuan, which is allocated to 1.440 yuan for each installment.
Guangfa card does not charge installment interest, and as far as I know, bank credit cards do not charge installment interest.