Usually there is no interest on consumption. If you pay back the money within the repayment date, there will be no interest. There is interest on withdrawal, and there is a handling fee. There is no interest on installment repayment, and there is a handling fee. And the more installments, the more money you have to pay. Therefore, if your own financial resources allow, try to choose a shorter installment time, or return it all.

Extended data:

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

References:

Credit card-Baidu encyclopedia