In this behavior, the cardholder provides personalized choices such as two periods, three periods, six periods, 10, 12, 18 and 24 periods, and the corresponding handling fees for each period are 1.0%, 0.9%, 0.75% and 0.7% respectively. Handling fee per installment = total installment amount × handling fee rate per installment. The total installment principal is amortized monthly, and the balance is included in the last installment. At the same time, the installment amount and the handling fee of each period are recorded.

In 2000, China Merchants Bank credit card paid back the money in six months, and the repayment amount in each period =2000/6+2000*0.75%=348.33 yuan.

Total repayment amount =2000+2000*0.75%*6=2090 yuan.