Agricultural Bank of China Credit Coin does not have a physical card, so it can only be used for online payment. It supports our bank's online k-code payment, UnionPay online payment and third-party quick payment such as Alipay and WeChat. The rest is the same as a credit card. Cash installment is a one-time handling fee. The calculation formula is: handling fee = 0.7% * principal * number of periods. The handling fee for cash transfer will be displayed on the operation page. For details, please contact the Agricultural Bank of China Credit Card Center: 4006695599, or log in to personal online banking and select online customer service to enter credit card online customer service consultation.