The user's credit card bill can be divided into three periods, six periods, twelve periods, eighteen periods and twenty-four periods, and the cardholder can apply from the day after the bill date to the day before the due repayment date.

The benchmark rates of bill installment are: 0.75% for the third installment, 0.70% for the sixth installment, 0.65% for the tenth installment, 0.60% for the twelfth installment, 0.60% for the eighteenth installment and 0.62% for the twenty-fourth installment, which are collected monthly and included in each credit card bill. Monthly handling fee = total installment amount * monthly rate.

Cardholders can apply for early termination of credit card installment.