The installment rate of credit card 12 is 3.6%, and the calculated interest is as follows: China Industrial and Commercial Bank credit card 12 installment repayment 100 yuan, and the handling fee rate is 3.6%. Repayment per installment 100000*3.6%=3600 yuan, with total interest of 3600 yuan.

To sum up, it is assumed that the term is 12, namely 1 year, the credit card loan is 1 ten thousand yuan, and the monthly repayment is 9770 yuan. The calculated monthly interest rate is 2.536%, the annual interest rate is 30.43%, the total loan amount is 100000, assuming the annual interest rate is 30.43%, the loan term is 1 year, the monthly debt service amount is 9769.88 yuan, and the total repayment amount is11. The first month's debt service is 2535.83, and the first month's debt service is 7234.05; The principal and interest of the second month is 2352.39, and the principal of the second month is 74 17.49.

Cash installment, also known as cash withdrawal installment, is generally a installment method that the credit card holder applies or the issuing bank actively invites the cardholder to apply, converts the credit limit in the cardholder's credit card into cash, transfers it to the designated debit card (the Bank or other banks), and returns it according to the specified number of installments each month.