Consumption installment: the single consumption amount is 200 yuan, and the billing installment: the minimum 500 yuan, and the maximum is not more than 95% of the cardholder's credit card fixed limit.

0.78% in Phase 6; 12 0.74%; 15 0.75%; 0.76% in 18; 24 periods 0.76%

In case of installment consumption, the monthly payment is: handling fee of 40,000× 0.76%+principal of 40,000 ÷ 24 = 304+1666.67 =1970.67 yuan.