In the installment repayment method of postal savings credit card, the handling fee is calculated at 0.6% of the total monthly installment repayment, and the principal is calculated separately. The number of installments includes 3 months, 6 months, 12 months, 18 months, and 24 months. Each installment is one month, and the corresponding handling fee will be charged every month. For example, if 60,000 yuan is divided into 12, then the monthly repayment amount includes the principal of 5,000 yuan (60,000 yuan divided by 12) and the handling fee of 360 yuan (60,000 yuan multiplied by 0.6%).

It is worth noting that if your funds are allowed after the billing date, you can make prepayment by calling the credit card customer service hotline of Postal Savings Bank or online banking, which will cancel your credit limit, but the bank will not charge the prepayment fee. This means that prepayment will not increase additional costs, but please be sure to understand the specific operation process before repayment.

Important note: the fee for installment payment is handling fee, not interest. If you still have questions or need more detailed explanations, it is recommended to contact the customer service staff of Postal Savings Bank directly, and they will provide you with professional answers and help.