Credit cards do not have loan functions, but currently China Construction Bank has a large-amount special installment business for car purchases and home decoration. It provides a special installment amount on the basis of the original credit card limit. , for customers to buy cars or home decorations, but there is no way to withdraw this limit. They can only be used in installments by swiping their cards at designated cooperative merchants. For detailed business introduction, you can go to CCB's credit card website for a general understanding.

If you need cash, they also have a business called cash installment, but the amount must be within the credit card limit.

Cash installment: It can give you a sum of cash from your credit limit and transfer it to your savings card at China Construction Bank. You can withdraw it from the savings card and use it, and then pay it back to the bank every month. . The advantage of this business is that it is not restricted by POS machines and can be used for cash transactions.

Processing time: no specific restrictions

Processing amount: starting from 500 yuan, must be an integral multiple of 100 yuan, up to the available limit of your credit card (not counting overpayments) and temporary quota), the cumulative amount shall not exceed 50,000 yuan

Instalment fee: I screenshot the following picture from the official website of the poster, you can see it below:

According to the rate chart, for example, assuming cash installment 5,000 yuan is calculated in 6 installments

Each installment principal = 5,000/6 = 833.33 yuan,

Installment fee = 5,000*0.53% = 26.5 yuan,

Instalment repayment per period=833.33+26.5=859.83 yuan