Interest-free. There is no handling fee for this installment payment. To put it simply, after the 12-month installment period is up, all your expenses will be the full price of the mobile phone, and there will not be a penny more; after the installment payment is successful, it is a one-time payment Your credit limit will be deducted from the full amount of the iPhone, so your credit card limit must reach or exceed the full amount of the iPhone. If it is not enough, you can call Everbright Bank customer service to temporarily increase the limit;