After swiping your card to make a purchase, just call the China Merchants Bank credit card customer service to apply. The full amount can be paid in installments. The poster did not say how many installments he planned to make, and the handling fee cannot be calculated. The rate for 12 periods is 0.66 per month. The monthly handling fee is 4099X0.66%=27.05 yuan, and the total handling fee is 324.64 yuan.