Most banks’ credit card installment business clearly stipulates that once a customer chooses the number of installments, they cannot change it. In addition, different banks offer different options for different installments, and the corresponding handling rates will increase as the number of installments increases. For example, China Everbright Bank's bill installment function has 3, 6, 9, and 12 installments to choose from, and the corresponding procedures The fees are 2.6, 4.6, 6.4, and 8.6 respectively. Faced with the "not cheap" handling fees, experts suggest that when consuming, we must first choose the number of installments according to our actual situation, so as to avoid spending too much money and bearing the financial burden and psychological pressure of too long a front.