No, it needs to be stored separately.

CITIC Xinkuai has two main repayment methods. First, the cardholder can directly enter the cash installment processing page and handle the repayment procedures through the CITIC Bank mobile card space; second, after checking the cash installment electronic card number on the cash installment page, the repayment amount can be transferred to the cash installment electronic card through transfer account.

1. Interest is the cost of using currency within a certain period of time. It refers to the remuneration that currency holders (creditors) receive from borrowers (debtors) for lending currency or monetary funds. Including interest on deposits, loans and various bonds. Under capitalism, the source of interest is the surplus value created by wage workers. The essence of interest is a special conversion form of part of the residual value and profit. Interest receivable refers to the remuneration the bank receives from the borrower when it lends funds to the borrower; it is the price the borrower must pay to use the funds; it is also part of the bank's profit. Interest payable refers to the remuneration paid by the bank to depositors for absorbing deposits; it is not only the price that the bank must pay to absorb deposits, but also a part of the bank's costs.

2. Factors

(1) Delayed consumption: When the lender borrows money, it delays the consumption of consumer goods. According to the principle of time preference, consumers will prefer current goods to future goods, so positive interest rates will occur in the free market.

(2) Liquidity preference: People prefer that their funds or resources can Trade instantly at any time instead of spending time or money coming back. Interest rates are also a form of compensation.

(3) Expected inflation: Inflation will occur in most economies, which means that for a certain amount of money, fewer goods will be purchased in the future than now. Therefore, the borrower should compensate the lender for its losses during this period.

(4) Investment risk: The borrower is at risk of bankruptcy, absconding or non-repayment of debt at any time. Lenders are required to charge additional fees to ensure that you are still compensated in these situations.

(5) Alternative investments: Lenders may choose to invest their funds in other investments. Because of opportunity costs, lenders borrow money and give up possible returns on other investments. Borrowers need to compete with other investments for the fund.