There are many types of credit card installment in CCB, including consumption installment, bill installment, cash installment, car purchase installment and house purchase installment. The number of periods is generally 3, 6, 12, 18, 24, which is up to you to choose. There is no 36 issues as you said. Of course, if you need to pay by installment, there will be a handling fee. For details of the specific handling fee, please log in to CCB Credit Card official website, and click "Installment Payment" above for details.

I will make a budget for you according to the installment and 24 installments of the bill. After the bill is settled, you can apply for repayment by installments, and the repayment amount is 90% of the bill payable, but you can't withdraw cash by installments. The installment fee rate of the bill is: 0.75% for the third installment, 0.7% for the sixth installment, 0.6% for 12 installment, 0.6% for 18 installment and 0.62% for the 24th installment.

Suppose your monthly bill is 30,000 yuan, then the maximum number of installments you can apply for is 27,000 yuan, and the handling fee rate for 24 installments is 0.6%. The monthly commission is 27,000 * 0.62% =167.4 yuan, and the principal is 27,000/24 =1/25 yuan. I need it every month.

After the bill installment application is successful, you only need to pay back the part of the month that you didn't apply for installment, such as the bill of 30,000 yuan. You applied for the bill installment of 27,000 yuan that month, so you only need to pay back 3,000 yuan this month, and when it returns to the bill of next month, you only need to pay back the installment part.