The installment interest rates of Ping An Bank's credit card are as follows: 0.68% for 6 installments, 0.66% for 9 installments, 0.64% for 12 installment, 0.62% for 24 installments, 20,000 yuan for 12 installment, and the monthly interest rate is 0.64%. The monthly payment is as follows: 20000 * 0.64%. The installment of 12 is 128 *12 = 1536 yuan, and the total installment interest of12 is1536 yuan.