Credit card has no loan function, but at present, CCB has large-scale special installment business for car purchase and home improvement. On the basis of the original credit card limit, customers are given a special installment limit for car purchase or home decoration.

However, there is no way to withdraw this amount, and it can only be used by stages in the cooperative merchants designated by his family.

Credit card and loan are two different concepts. Credit cards have installment and overdraft, so there is no loan.