Changsha Bank Xinyitong Card is a large consumption installment card with a maximum amount of 3,, which can be phased. However, many cardholders don't know how to use the card. Today, we will introduce the process of using the card of Changsha Bank. After applying for Changsha Xinyi Tong Card, if you want to use the funds in the card, you need to ask for money first, and then you can withdraw the money or spend it in a debit card after approval, and you also need to repay it within the specified time. The specific process is as follows: 1. Xinyi Tong Card asks for money: the cardholder can apply for a loan by clicking More-Xinyi Tong Card on the homepage of Changsha Bank E Bank; Or log in to the new online banking and select the "Credit Card" section, and the "Heartwarming Card" of "I am a consumer" will enter the page to apply. The minimum payment for each request is 1, yuan (inclusive), and it must be an integer multiple of 1, yuan. It should be noted that when applying for the loan, a letter of commitment for the loan purpose is also required. The borrower needs to send a photo or scanned copy of the letter of commitment for the loan purpose to bcsxykb@ e-mail, and the email title is "name+ID number+applied loan amount". If the fund exceeds 5, yuan, proof of use is also required.

2. card for heartwarming card: after the approval of Changsha bank, the money corresponding to the installment request will be transferred to the heartwarming card account, and the cardholder can transfer the money to the bank's debit account with the same name and pay by himself, or directly spend by credit card through the POS terminal.

3. Repayment with Heartwarming Card: Heartwarming Card is paid monthly, and the principal will be repaid at maturity. Before the maturity of the principal, the system will deduct the payable service fee from the account one by one on the last repayment date, and deduct the principal and payable service fee from the account on the day when the loan expires (including early maturity). In order to ensure the successful deduction, the cardholder should deposit enough repayment amount into the mind card on the last repayment date.