Industrial Bank does charge a certain interest rate as the handling fee for cash installment of credit cards. The interest rates of the 3rd, 6th, 12, 18 and 24th periods shall not be higher than 0.9% and 0.8% respectively. You need to pay a corresponding proportion of the principal every month as a handling fee. In a short time (for example, 3 or 6 months), it will feel little impact. If you choose a longer term (18 or 24 months), the accumulated interest paid to the bank will increase.