The credit card installment policy of China Construction Bank is relatively simple, and the main difference lies in the collection of interest and handling fees. First of all, CCB's credit card bills are not charged interest in installments, but a handling fee will be charged according to the number of installments. The number of installments includes 3 installments, 6 installments, 12 installments, 18 installments and 24 installments, and the service charge rate of each installment is between .6% and .8%. For example, if you choose 12 installments for 1,2 yuan, the actual monthly payment is the principal plus service charge, that is, 1 yuan plus 1,2 yuan multiplied by .6%.

the handling fee rate is divided into three periods: .75%, 6 periods: .7%, 12 periods: .6%, 18 periods and 24 periods: .62%. Monthly handling fee = total installment amount * handling fee rate, which will be collected on schedule after the bill date. Overdue payment will be regarded as a bad record and affect personal credit.

after consumption, if you can repay in full before the repayment date, you can avoid interest. However, interest will be calculated at the daily interest rate of .5% from the day of consumption. For the case that the repayment can't be made in full, CCB offers the option of repayment by installments. For the consumption above 1 yuan, you can choose 3, 6 and 12 installments, and the handling fees are .7%, .6% and .6% respectively. There are 13 options for billing date, and the repayment date is 2 days after the 7th day of each month. Users can also apply for billing date modification once a year to adapt to their personal financial situation.