CCB Installment Pass is a special credit card product launched by China Construction Bank to help customers deal with large-scale consumption of durable goods, wedding supplies, health supplies, etc. When using it, consumers need to swipe their cards at designated merchants for consumption. It does not support cash withdrawal, transfer, online payment and withholding and payment functions. CCB will allocate a dedicated debit card to eligible users and provide a certain credit limit.

The main purpose of this product is to solve the problem of large consumption amounts that cannot be paid in one go in the short term. For example, buying large appliances, wedding supplies, or baby products. However, it should be noted that after applying for CCB Installment Pass, users need to use it at designated merchants, and if the transaction is canceled or returned after consumption, the handling methods will be different. If it is canceled before being credited to the account, the credit limit can usually be restored; however, if the return is made after the credit card is credited, the transaction may be terminated early and the credit limit will not be restored. Therefore, it is important to understand these rules during use.

In terms of repayment, users can choose to repay the remaining principal in one lump sum, but they must clearly understand the rules of installment transactions. At the same time, if the limit is not used within 60 natural days after the limit becomes effective, the bank has the right to cancel the limit, so reasonable planning and utilization of the period of the installment card are also matters that should be paid attention to when using it.

In general, CCB Installment Pass provides consumers with a convenient credit option, which is suitable for consumption scenarios where the credit card limit is insufficient or other installment products on the market are not suitable. When choosing, users should combine their own financial situation and repayment ability to avoid negative impacts on credit records.