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.

The mobile banking terminal has functions such as credit coin account information inquiry, bill inquiry, installment application, agreed repayment setting and maintenance, repayment, password management, card loss report and bill setting. The counter is suitable for transactions that allow manual input of card numbers.

Credit coins are mainly used for online cardless channels, supporting our bank’s online K code payment, UnionPay online payment and third-party payments such as Alipay and WeChat: supporting binding to HCE Cloud QuickPass and Apple Pay for payment . The credit limit is the same as that of a credit card account, and the credit limit is integrated into the unified management at the customer level.