A credit card can be divided into up to thirty-six installments. The number of credit card installments of different banks is different. For example: 1. Industrial and Commercial Bank of China, credit cards can be divided into up to 24 installments. 2. Construction Bank and credit cards can be divided into up to 24 installments. 3. CITIC Bank, credit cards can be divided into up to 36 installments. 4. Everbright Bank, credit cards can be divided into up to 15 installments, etc. Handling fee per period = total installment amount × handling fee rate per period. The total principal amount of the installment is amortized evenly on a monthly basis, and the remainder is included in the last installment. The installment amount of each installment and the handling fee of each installment are recorded at the same time.

Large installments, such as buying a car, house decoration, etc., are generally 12 months, 24 months, 36 months, and the handling fee is about 4%, 8%, 12%, which are also below Pay the monthly repayment amount and all handling fees in one lump sum on the first repayment date. But you need to apply in advance.

A credit card is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Compared with ordinary bank savings cards, the most convenient way to use credit cards is that they can make ordinary purchases without cash in the card. In many cases, you only need to return the consumed amount on schedule. You can enjoy discounts when you use your card at the bank's designated merchants.