banks need to pay the full amount of goods or services to merchants or suppliers. Credit card customers of China Construction Bank generally need to pay the down payment in advance before they can apply for approval. This is because in the process of credit card installment payment, the bank needs to pay the full amount of goods or services to the merchants or suppliers, while the borrower only needs to make monthly repayment according to the agreement. Credit card is a kind of payment tool that can be used in shops, restaurants, online and various trading places. Holders of credit cards can purchase goods and services through credit cards and pay off the expenses in installments or at one time.