I spent 3,000 on a postal credit card. Is it more cost-effective to pay off the minimum payment or to pay it in installments? If it is divided into installments, can it be divided into 12 installments? How much does each issue cost?

Of course, installment is cost-effective. It can be divided into 12 installments. The total installment fee for 12 installments is 7.2; repayment per installment = 3000/12 installment fee 3000*0.6=268;

If you repay with the minimum repayment amount, all consumption on the bill will not be interest-free, and full penalty interest will accrue from the day the card is swiped. The daily interest rate is 0.05%, and interest will be accrued every other month until the principal and interest are paid off.