Credit accounts are mainly non-physical credit card products issued to pre-credit customers within the bank. The external name is "Agricultural Bank of China Credit Coin". The special card BIN number is 625818. The billing date is the 23rd of each month and the due repayment date. It is the 19th day after the billing date.

Credit coins are mainly used for online cardless channels, supporting Agricultural Bank of China’s online K code payment, UnionPay online payment and third-party payments such as Alipay and WeChat: it supports binding HCE Cloud QuickPass and Apple Pay for payment.