Bank of Communications credit card installment minimum 3. 1 discount. The lowest discount for interest-free installment of Bank of Communications Card (50% installment of Bank of Communications Card) Although the cash installment of Bank of Communications Credit Card is divided into four types: 3 installments, 6 installments, 12 installments and 24 installments, its handling fee rate is between 0.25% and 0.93%, and the specific handling fee rate will depend on the number of installments.