Before the next billing date, you need to apply for installment payment through online banking of China Merchants Bank or call China Merchants Bank. If you spend 4,000 yuan, you can only divide it into six installments, that is, 4,000-95% = 3,800,3800, and the handling fee for each installment is 0.75%, that is, 3,800-0.75% = 28. It may also be non-zero to 1, so the amount is 633.34), which means you have to pay back 633.34+28.5=66 1.84 every month. The final result is that you pay 28.5 ~ 6 = 17 1 in six months.

If it can't be paid off in one lump sum, six months is still appropriate, 66 1.84 yuan per month.

Three months is 3800 ~ 0.9%+3800/3 = 34.2+1266.67 =1300.87 per month. A * * * is greater than 102.6.

And so on. The handling fee for 10 is 0.7%, and that for 12 is 0.66%.

Note: 1. Payment by installment requires credit card, and cash overdraft is not allowed.

2. It can only be done after the application is approved, and it is not allowed to be divided into stages without authorization, otherwise it will affect the credit and affect the smooth progress of loans in the future.

That's all I know. I hope you can use your card reasonably and spend it ideally. Good luck.