1. Cash installment, also known as cash installment, is generally applied by the credit card holder, or the card issuer actively invites the card holder to apply. The limit in the card holder's credit card is converted into An installment method in which cash is transferred to a designated debit card (our bank or another bank) and returned in designated monthly installments.

2. Basic definition: In order to face the increasingly fierce cash-out of credit cards, many banks, such as Hua Xia Bank's Express Gold business, will increase the credit card credit limit after reviewing the relevant qualifications of the applicants. Through transfer, the amount will be credited to the applicant's account in installments, providing a disguised cash-out.

3. Handling fee: Cardholders only need to return the fixed principal and handling fee every month to use the cash in advance. Generally, the handling rate for cash installments will be higher than the handling rate for consumer installment products of the card issuing bank, and lower than the 0.5‰ recurring interest rate.