(China Merchants Bank) After the credit card bill has been issued and the installment is successful: the current bill only needs to repay the amount other than the bill installment, the first installment principal (the principal payable in each installment = the total installment principal ÷ installment The number of installments) and handling fee will be charged to the next month’s bill. The installment portion of the bill will be fully offset against the bill amount, and 10 percent will be offset against the balance of the minimum repayment amount. After successful installment of credit card bills that have not yet been issued: the first installment principal and handling fee will be included in the bill corresponding to the original transaction.