If the ICBC Easy Loan Card is to be used for installment payment, it must be used at the ICBC-specific POS of the special merchant, and it is done on the spot at the special merchant POS without going to ICBC outlets or online banking.

ICBC Easy Loan Card can be used in other non-special merchants and POS machines of any bank, so there is no interest-free repayment period for ICBC Easy Loan Card, and then five ten thousandths of interest (daily interest) will be paid for overdraft consumption. Saving money can be spent, but saving money has no interest.

To sum up, the easy loan card is suitable for special installment consumption, and it is not cost-effective to use it in other cases.