From the perspective of consumption patterns, our bank currently has "shopping installments during consumption" and "billing installments after consumption": 1. Shopping installments: that is, through our bank's special merchants, choose to pay in installments Purchase specified goods or services. You can log in to our credit card website/StepShop/ and select your city to check the merchant stores that can handle installments and the installment fee standards. Note: You can only apply if the available credit limit of your credit card is enough to pay the total installment amount. Our bank provides interest-free installment payment business. We provide customers with the benefit of interest-free monthly payment. During the repayment period, customers use our bank's credit card account to pay the price of the product in monthly installments. As long as they repay the bill amount in full before the monthly payment due date, they can enjoy the exemption. interest period. However, there will be an installment handling fee. Please refer to the merchant's display for the handling fee (if you purchase installment products in the credit card mall through our bank's credit card website, you do not need to pay the handling fee). 2. Bill installment (only cardholders holding commercial cards, business cards (including fiscal business cards), purchase cards, ANA guaranteed cards or supplementary cards cannot apply): If the merchant you shop at is not a special merchant of our bank, after consumption You can apply for bill installment. Bill installments are interest-free, but there is a handling fee. Handling fee per period = total installment amount × handling fee rate per period. The minimum handling fee per period is 5 yuan, 0.9% per period for 3 periods, 0.75% for 6 periods, 0.70% for 10 periods, and 0.75% for 12 periods. 0.66% per period, 0.68% for 18 periods, and 0.68% for 24 periods. Whether the application for bill installment is approved shall be subject to the comprehensive assessment result of our bank's credit card center. For details, please log in to the credit card website / and click "Financial Installment" - "Bill Installment" to inquire.