The original poster swiped 400,000 on his credit card. Does he have a credit card with such a high limit? If the credit card is 400,000, it depends on which bank's credit card it is. If calculated based on the Agricultural Bank of China credit card installment, there are 24 installments, and the handling fee rate for each installment is 0.6%.

Repayment in each period: handling fee 400000X0.6% principal 400000÷24=2400 16666.67=19066.67 yuan.