Consumption staging refers to the staging of a single consumption application. You can apply for a single consumption of more than 1000, and the handling fee will be paid in each period. Bill installment refers to applying for installment payment for a part of the issued bill. The minimum application amount is 500 yuan RMB, and the maximum application amount does not exceed 90% of the total RMB consumption in the bill (excluding cash withdrawal, installment payment and other transactions stipulated by CCB). The handling fee will be paid in the first installment.

If the application is for consumption installment, 12 installment, each installment is still 4000÷ 12+4000×0.6%.

If the application is for bill installment, 12 installment, and the installment amount is 3,600 yuan, then the first final repayment date is 4,000-3,600 = 400 yuan, the second final repayment date is 3,600-12+3,600× 7.2%, and the next installment is 3,600-65438.