This card can only be used by merchants of ICBC Easy Loan Carter, and it must be swiped at the designated POS. The transaction amount should be more than 600, and the installment payment should be handled at the same time. The number of issues can be freely selected between 2 and 24 (36 issues can be handled in some areas). After the installment, the monthly repayment amount cannot exceed your monthly income. This card cannot be adjusted, so a relatively high amount will be awarded when you apply for the card.
The advantage is that the installment fee is much lower than that of ordinary credit cards, and you can choose the number of installments freely (other credit cards of ICBC have a fixed number of installments, 3, 6, 9, 12 ...).
In short, it is very poor, unless there are many local businesses, and there is exactly what you want to buy, and things are expensive and you can't afford it again. .