CCB installment pass is only open to high-quality credit card holders or CCB mortgage customers: 1. Credit card holders with high-quality credit cards can go to CCB outlets after receiving bank SMS and telephone invitation, or mobile banking subscribers can directly apply in the menu of "Credit Card-Credit Card Management-installment pass" of mobile banking; 2. Mortgage customers can apply for installment loan at CCB outlets, including commercial loans and provident fund customers. Therefore, CCB installment can be used without a credit card, but it must be a mortgage customer in advance. Otherwise, there is neither a credit card nor a mortgage customer, so it is not necessary to use installment. You must apply for a CCB credit card first. However, it should be noted that the installment of CCB does not mean that you have a credit card or a mortgage customer will definitely be able to use it. In order to meet the business needs, the bank selected some people who met the preliminary conditions from the database to send invitations in groups. And when you receive the invitation from CCB to go to the outlet, you need to see how your personal qualifications are. CCB is very strict in examining the qualifications of applicants for installment pass. It will focus on the applicant's historical card use, personal family life stability, the amount of extra financial resources, debt ratio, etc., and then make a comprehensive score based on these. If the comprehensive score is not up to standard, it will not pass. The above is the introduction of "Can I use installment pass without a credit card?". In short, installment is not only available to credit card customers. Without credit cards, installment can also be used as long as CCB mortgage customers meet the qualification for installment.