China Agricultural Bank credit card installment rate standard: the handling fee for each installment is 0.6% of the installment principal. The handling fee of 20,000 yuan per month is 120 yuan, which is 2,880 yuan in two years. 834+ 120= 954 per issue. If the monthly bill date is 10, and consumption is made at 1 1, the consumption arrears will be included in the next month's bill 10, and the repayment date will be 25 days after the bill date, during which you can enjoy the interest-free period of up to 56 days. If the consumption is made on 10, it will be included in the current bill, with the repayment date of 25 days and the minimum interest-free period of 25 days.