First of all, the credit card must have a limit of more than 1,000...so that you can buy things worth 1,000...in installments...take Bank of Communications as an example...the handling fee is 0.7%... For 24 installments of 1,000 points, you will have to pay 41.6 yuan plus a handling fee of about 7 yuan per installment...without interest! For 24 periods, you will have to pay a total handling fee of about 168!