China Bank's excellent customer installment card will track the use of funds, with the main purpose of preventing loan risks and regulating the use of loan quotas. Once the bank finds that the cardholder has bad card use behavior, it will freeze the amount, and the cardholder needs to provide proof of daily consumption to unfreeze the amount.

It is understood that BOC's premium installment quota has a wide range of uses, including daily consumption such as home improvement, furniture, education, tourism, fitness and beauty, but it cannot be used in investment, wealth management and illegal fields.