Everbright Credit Card doesn't pay more fees in installment as other banks do. Everbright Bank pays all installment fees in one lump sum. Then you will know, which is more cost-effective, cash installment or bill installment of Everbright Credit Card? In fact, the biggest difference between cash installment and bill installment of Everbright Credit Card lies in the different charging standards and the different installment numbers, as shown in the following figure. As can be seen from the above table, when the current number is 6 and 9, the charging standard is the same, while the charging standard for other periods is slightly lower. At the same time, cash installments can only be divided into 18 installments at most, while bill installments can be divided into 24 installments at most. How to use Everbright Credit Card to overdraw 20,000 yuan at one time and handle 12 installment, the handling fee is as follows: cash installment handling fee = 20,000 yuan; To sum up, we find that the difference between the two stages of Everbright Credit Card is still relatively small, and all card friends can choose according to their own needs. At the same time, you can handle all kinds of credit cards quickly and safely.