信用卡分期费率计算是以全部本金计算手续费，不管你期间还了多少钱。贷款利率是以当期未还本金计算利息，最常见的就是房贷。
做了个表供参考，相同的费率下，期数越长、首期支付手续费的分期方式年化利率越高
不得不说，信用卡分期业务真是银行赚钱的利器啊
分期支付手续费
月费率 年费率 分期数 月利率 年利率
0.33% 4.00% 6 0.57% 6.82%
0.50% 6.00% 6 0.85% 10.21%
0.60% 7.20% 6 1.02% 12.24%
0.75% 9.00% 6 1.27% 15.27%
0.33% 4.00% 12 0.61% 7.30%
0.50% 6.00% 12 0.91% 10.90%
0.60% 7.20% 12 1.09% 13.03%
0.75% 9.00% 12 1.35% 16.22%
0.33% 4.00% 24 0.63% 7.50%
0.50% 6.00% 24 0.93% 11.13%
0.60% 7.20% 24 1.11% 13.27%
0.75% 9.00% 24 1.37% 16.43%
首期支付手续费
月费率 年费率 分期数 月利率 年利率
0.33% 4.00% 12 0.63% 7.60%
0.50% 6.00% 12 0.97% 11.58%
0.60% 7.20% 12 1.17% 14.02%
0.75% 9.00% 12 1.48% 17.78%
0.33% 4.00% 24 0.68% 8.14%
0.50% 6.00% 24 1.05% 12.59%
0.60% 7.20% 24 1.28% 15.40%
0.75% 9.00% 24 1.65% 19.83%
0.33% 4.00% 36 0.71% 8.50%
0.50% 6.00% 36 1.11% 13.38%
0.60% 7.20% 36 1.38% 16.55%
0.75% 9.00% 36 1.81% 21.73%
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