Whether you want an invoice or not has nothing to do with the installment payment of Bank of Communications. As long as the card of Bank of Communications is above 1500 yuan, you can apply for installment payment. No interest is charged for installment payment, and the handling fee is equal to interest. For example.
If you want to apply for installment, you can call 8009888888 on the third day after applying for installment by swiping your card. The handling fee is as follows:
The handling fee for 1500 ~ 6500 is 0.72%.
The handling fee for 6500 ~ 12500 is 0.7%.
0.68% handling fee for 12500 or above.
You paid 6000 yuan and applied for installment. If it is divided into six installments, each installment needs to pay 6000/6+0.72% x 6000 =1043.2 yuan.
If it is divided into 12 periods, each period needs 6000/12+0.72% x 6000 = 543.2 yuan.
If you apply for the sixth installment, you have to pay an extra 6X43.2=259.2 yuan.
12 installment and overpayment 12X43.2=5 18.4 yuan.
And even if the repayment is made in advance, these expenses must be paid in full. The handling fee is interest.