If the default answer is to buy this Apple mobile phone in installments in the CITIC Bank Credit Card Mall set up by CITIC Bank itself, the so-called handling fee and interest you need to pay are linked to the number of installments you choose. The number of periods that consumers can freely choose is 3, 6 and 12. The current price of this mobile phone on this network is 629 yuan. If you choose 3 issues, then you need to pay 296.67 yuan per issue. If you choose 6 installments, then you need to pay 148.33 yuan per installment; If you choose 12 installments, then you need to pay 524.12 yuan per installment.