If the credit card bill of CCB is 6,500 yuan in installments, the amount involved in the installment is 90%, which means that 6500X90%=5850 yuan can be phased. If it is divided into 12 installments, the handling fee rate for each installment is 0.6%.

So it needs to be paid by monthly installments: the handling fee is 5850 x 0.6%+ the principal is 5850 ÷12 = 35.1+487.5 = 522.6 yuan.

In addition, if you don't participate in the installment, you must repay it within the billing cycle. The principal and handling fee involved in the installment can be repaid in the next billing cycle.