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Is the housing installment of China Construction Bank a credit card or a loan?
The housing installment of CCB is the value-added service of CCB's credit card.

After the approval, the bank will give your credit card a special installment quota. After reaching the quota, you can go to CCB outlets to complete the installment transaction, transfer the money to a special consumption card, and then swipe your card at the designated merchant.

It should be noted that this special limit is beyond the limit of your credit card itself and cannot be recovered.