Agricultural Bank of China credit currency is mainly used for cash installment and online payment. Credit currency is a virtual credit card product without physical media. After application, the card number will be sent to the customer's bank. Users can bind it to personal accounts of Alipay and WeChat for online payment, or transfer the amount to their debit cards for cash installment. The repayment date is 19 days after the bill date, and the longest interest-free period is 50 days.