Happiness installment credit cards are generally between 1000 yuan and 10000 yuan, which are divided into physical cards and virtual cards. Icbc credit card is an e-installment credit card launched by ICBC to high-quality customers, which belongs to the ordinary card level. Applying for happiness installment credit card can enjoy the rights of free cost and 3-day grace period. Happiness installment credit card virtual card can be applied through smart terminal and portable terminal channels. After the application is successful, it can be activated simultaneously through the e-installment loan signing transaction.