Hello, if you apply for bill installment, the installment amount can be up to 95% of the total amount of new RMB credit card consumption in the current period. After the application is successful, the current bill only needs to repay the installment amount, and the down payment and handling fee are included in the next bill. Handling fee per installment = total installment amount × handling fee rate per installment. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, the installment amount and the handling fee of each period are recorded. We provide cardholders with personalized choices of 2, 3, 6, 10, 12, 18 and 24 installments, and the corresponding handling fees for each installment are 1.0%, 0.9%, 0.75% and 0.7% respectively.

To calculate, please open /Financing/Bill.aspx, enter the installment amount on the left side of the page, select the number of installments, and click "Simulate calculation by installment". Whether the bill installment application is approved or not shall be subject to the comprehensive evaluation results of our credit card center.