Credit account is a kind of credit card product without physical medium, which is mainly issued to pre-credit customers of banks. The external name is "Agricultural Bank Credit Coin", and the special card BIN number is 6258 18. The 23rd of each month is the bookkeeping date, and the due repayment date is 19 days after the bookkeeping date. Like a credit card, you can use an overdraft limit.

Credit coins are mainly used for online cardless channels, supporting online K-code payment, online payment by UnionPay and third-party payment such as Alipay and WeChat. Support the binding of HCE, China UnionPay, Kuaijietong and Apple Pay payment.