Can be divided into 24 periods.

Take consumption installment as an example: Consumption installment needs to be processed from after consumption to 2 days before the latest bill date. You can choose from 3, 6, 12, 18, and 24 issues (monthly Phase I), the corresponding handling fees are 0.7, 0.6, 0.6, 0.6, 0.6 respectively. (Monthly handling fee = total installment amount * handling rate).

13000 is divided into 24 installments, and the repayment amount for each installment is: 13000÷24 13000×0.6=541.67 78=619.67 yuan