Ping An Bank can choose to apply for installment payment after spending by credit card. The number of periods and the handling fee rate of each period range from: 2 periods [0.70%,1.15%]; Phase III [0.70%,1.03%]; 4 periods [0.68%, 0.96%]; 5 periods [0.68%, 0.93%]; 6 periods [0.68%, 0.90%]; 7 periods [0.66%, 0.89%]; 8 periods [0.66%, 0.87%]; 9 [0.66%,0.87%]; 10 [0.64%,0.86%]; 1 1 [0.64%,0.85%]; 12 [0.64%,0.85%]; 18 [0.62%,0.84%]; 24 issues [0.60%, 0.84%].

Bill installment: pay the minimum repayment amount in the current bill first, and then apply for bill installment for the rest. Take the sixth issue as an example, and the handling fee is 0.68%. Payable amount of each installment = total installment amount ÷ number of installments (the remainder is recorded in the payable amount of the first installment)+total installment amount × handling fee rate of each installment, and the minimum repayment amount shall be paid after the current bill is generated, and the last six installments (4 160- minimum repayment amount) ÷6+(4 160- minimum repayment amount) shall be paid.

Consumption installment: you can apply for a single consumption below 65,438+000,000 yuan. Number of stages that can be applied: 36, 12, 18 24 Application time: between the second day after the consumption date and two working days before the current bill date. Handling fee rate: 0.8% in the case of six installments = the total number of installments ÷ the number of installments (the remainder is recorded in the payable amount of the first installment).