There is no interest on the installment of Guangfa Credit Card. Generally, the installment fee is charged by installment, and the fee is charged according to the number of installments. Generally, the rate for Phase 6 and Phase 12 is 0.70%, and the rate for Phase 18 and Phase 24 is 0.72%. Credit cards only charge interest when withdrawing cash and applying for the minimum repayment amount, which is generally calculated at the daily interest rate of five ten thousandths.