To return, for example, the total amount of your credit card is 1200 yuan, divided into 12 installments. The monthly repayment amount is1200/12+1200 * 0.72% =108.64, and you get 65438. It is equivalent to your total final cost of 1900 plus 12 months' handling fee. Your monthly renewal fee is 1900*0.72%= 13.68, and you can divide it into 12 months. The total handling fee you want to pay back is13.68 *12 =164.16, especially reminding you that the handling fee does not need to bear interest. If the funds are not tight, the handling fee will be paid in one lump sum or on time every month, otherwise the accumulated interest will be calculated.