Minsheng Bank credit card installment fee will be calculated on schedule. Generally divided into three phases, six phases, nine phases, 12, 18 and 24 phases, the corresponding rates are 0.82%, 0.7%, 0.67%, 0.67%, 0.67% and 0.7% respectively. The calculation formula of handling fee is: handling fee = total installment amount × handling fee rate per installment × number of installments.