Interest rate convert if i convert gym membership fee in to emi

zacobite

KF Mentor
I paid membership for my gym but now i feel its too high and now i want to convert it to emi whats the best option for me.
1)cc emi ( most banks have on their transactions) but will have Processing fee + Interest 12% upwards depending on customer
2) Ask gym to convert, most have emi options ( ideally shd be taken while swiping)
3) Cancel transaction via gym and do it again
 
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