The free installment and billing installment of postal savings credit card are divided into five periods, which are 3 months, 6 months, 12 months, 18 months and 24 months respectively, and each month is 1 period. The installment fee is charged monthly, and the total installment amount is charged monthly.

0.6%, reduce your monthly pressure. When you have surplus funds, you can apply for prepayment by installments through the credit card customer service hotline of Postal Savings Bank or online banking after the current bill date, releasing the available credit line, and the bank will not charge prepayment fee.

For example (calculation method of handling fee of 4,000 yuan for installment repayment of postal credit card 12)

Handling fee: 4000X0.6% = 24 yuan.

Principal: 400012 = 333.33 yuan.

Then pay it back every month (principal+handling fee =333.33+24=357.33 yuan).