The credit card installment interest rate is not high. Generally, the installment rate is 7.2 per year. Sometimes there are discounts at around 4.8. You said it adds up to 80,000. Does it mean that all the interest is added up, that is, your final repayment? The amount is 1***380,000? Calculated based on a one-year period of 4.8, the interest is 14,400. Your annual interest rate of 80,000 is 26, which must be very high. Calculated based on 7.2, the one-year interest is 21,600. But with monthly repayments, your 80,000 will definitely be high