ICBC's credit card needs to spend more than 600 yuan to repay in installments. At present, there are three installments, six installments, nine installments, 12 installment, 18 installment and 24 installment of ICBC's credit card repayment, and the corresponding handling fees are 1.03%, 1.8%, 2.75%, 3.58% and 5.5 respectively. If the cardholder needs to repay by installments, he can apply before the monthly repayment date.