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Excuse me, can I borrow 40,000 yuan from China Merchants Bank's credit card and repay it in installments 12? What are the benefits?
1. You can try to apply for cash installment (not 100% success, subject to the system audit results), with the principal of each installment: 3,333.33 yuan, the handling fee of each installment: 300 yuan, and the total repayment amount of each installment: 3,633.33 yuan;

2. You can try to apply for the reserve fund (not 100% success, subject to the system audit results), and the range of the single-period handling fee rate corresponding to the consumption reserve fund 12: [0.45%, 0.95%]. Actually, the application result shall prevail.