1. For the minimum repayment of credit card, the interest is calculated at 0.05% per day, which is equivalent to 1.5% monthly interest;

2. For installment repayment of Bank of Communications credit card, the handling fee is: 0.72%/period; handling fee = installment principal * handling rate for each installment;

You will know by comparing the above. If you choose the minimum repayment and cannot repay it in 2 installments, it must be installment. Good deal.