Credit cards allow you to purchase mobile phones in installments. You can choose bill installment or product installment. Bill installment means applying for installment for the entire bill amount after the billing date. Product installment means you are purchasing goods. At that time, the item is divided into installments. Assume that the value of the mobile phone that the poster wants to buy is 6,000 yuan. If you choose to divide it into six installments, the handling fee that needs to be paid is 6,000*0.0075=45 yuan. After six installments, one *** The handling fee that needs to be paid is: 45*6=270 yuan. I don’t know if the poster understands what I’m talking about. I hope my answer can help the poster!