Customers can directly use Yidai credit cards to make purchases and pay in installments at designated merchants of ICBC without having to go to the bank to go through the approval procedures.

1. Interest rate discount.

The installment fee is much better than the consumer loan interest rate and ordinary credit installment fee. For example, a loan of 100,000, with 12 installments (1 year), a personal loan fee (interest) of 6.31%, an ordinary credit card installment payment of 7.20%, and an Yidai card installment payment of 3.42%. Choosing Yidai card can save you the most. 3780 yuan, about 60% of the cost.

2. There is no need to apply, just swipe the card and use it, eliminating the cumbersome procedures and waiting time for personal loans.