CITIC Bank’s credit card can apply for installment if you spend more than 600 yuan in a single transaction. The new credit card must be used for more than 3 months before you can apply for installment payment business.

CITIC Bank credit card installments do not charge interest but there is a handling fee. The handling fee is charged in installments. The amount required for each installment = transaction amount/number of installments + transaction amount*handling rate

Different installment numbers mean different handling rates. The installment rate standards for CITIC Bank credit cards are as follows:

3 installments 0.72%; 6 installments 0.66%; 9 installments 0.66%; 12 installments 0.65%; 18 0.70% for each period; 0.70% for 24 periods.