CITIC Bank’s installment plan is 50% off. Whether a 50% discount on credit card installment fees is worthwhile depends on each person's own situation, because if some people have sufficient funds, then if they pay off their credit card bills on time, they don't need to make further installments. After all, there are handling fees for installments. , which is equivalent to a relatively high interest rate. And if you don’t have enough funds, it is more cost-effective to offer a 50% discount on the bank credit card installment fee