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The difference between credit loan and cash installment.
If it is handled through China Merchants Bank, it depends on your comprehensive judgment.

Cash installment is a business that China Merchants Bank provides you with cash withdrawal and installment repayment. You can transfer money directly from the credit card to your one-card account for consumption, and then upload the consumption receipt regularly. The benchmark fee rates for each period are: 0.95% for the third period, 0.8% for the sixth period, 0.75% for 10, 0.75% for 12, 0.75% for 18 and 0.75% for the 24th period.

For credit loans, if you are already a user of China Merchants Bank and download the mobile banking APP of China Merchants Bank, you can try to log in to mobile banking, and my-all-loan-I want to borrow money to try;

Or borrow money by credit card; Log in to Pocket Life and click "Card Finance"-"I want to borrow money" below, subject to the audit results.

Non-CMB cards can try to apply for "e-loan" and need to download the operation of CMB Pocket Life APP.