Easy Loan Card is also a card type of CCB Credit Card. It is no different from other credit cards in normal use and can be used for normal consumption.

the biggest difference between this card and other cards is that after consumption, this card will automatically installment all your current consumption on each billing day, and then you can repay it in installments every month.

to put it simply, this is a credit card with automatic installment. This card is not suitable for you if you never need to use it in installments.

However, if you usually need to apply for installment, this card is still very good, because each installment can be automatically phased, and the installment fee is more favorable than their bank's consumption installment and bill installment. Moreover, the benefit loan card is free of annual fee during the validity period. :

CCB's credit card has two grades, one is a gold card, and the other is a platinum card. The card face is as shown in the figure.

In terms of card rights and interests:

Credit card will automatically installment the current bill consumption on the billing date and repay it every month according to the agreed number of installments. The installment amount does not include overpayment, cash withdrawal transaction, installment payment transaction and expense transactions, such as interest and various handling fees (such as credit card account management fee and installment handling fee)

there are 3, 6, 12 and 24 installments provided by the benefit loan card (the installment fee is .5% of the total installment amount for each installment), and you can choose by yourself, of which 12 installments are the default number when issuing the card. After receiving the card and activating it, you can call the customer service hotline of CCB to apply for the revision of the number of periods, and the interval between each revision of the number of periods should be more than 6 months. The revision of the number of installments will not affect the effective automatic installment, and the new installment plan will be reflected in the next bill.