It can be regarded as a credit card. Users who apply for the installment pass business will get two installment passes, one is a special debit card, and the other is a credit card, that is, one is used for consumption, and the other is a credit card. Zhang is used to repay the loan.
:
1. Installment Pass special debit card is mainly issued to individual customers who have successfully applied for the Installment Pass business and is used for fund transfer and use. To put it simply, after you successfully apply for the installment pass, the bank will issue a special debit card on the spot. The money in the debit card is the installment limit you applied for. After you get the card, you can use this card to swipe the card. I have made a purchase, but I can only pay by credit card at specified merchants, and I cannot withdraw cash.
2. This card is a special credit card issued for the installment business. It is a standard platinum card, but it has no annual fee, no fixed limit, and cannot be used for consumption, cash withdrawals, or transfers. The only purpose is to repay the installment payment. After the bill comes out, you can just pay the money back to the installment payment credit card.
3. CCB Installment Pass is a credit card installment product and is not a credit card itself. Installment pass application requires a credit card from China Construction Bank. If you do not need to apply for a credit card at the same time, and it is used for consumption that cannot be satisfied by the credit card itself, then you can use the installment pass to complete the remaining consumption amount and it will not occupy the credit limit of the credit card itself and will not affect Daily use of credit cards. The maximum installment period is 36 months, and the handling fee is consistent with CCB’s credit card installment handling fee.
4. CCB Installment Pass is a credit card installment product, but CCB Installment Card is not a credit card. The installment limit does not occupy the credit limit of the credit card. After approval, the CCB Installment Limit will be transferred to the dedicated debit card account, so the limits between the two do not affect each other. A credit card is required to apply for an installment pass, so users with a credit card can apply directly. If you do not have a credit card, you need to apply for a credit card first.
5. Credit cards are issued to cardholders by banks or credit card companies based on the user's creditworthiness and financial resources. Cardholders do not need to pay cash when making purchases with the credit card, and repayment will be made on the bill date. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards issued by banks and give cardholders a certain credit limit, and the cardholders can consume within the credit limit and then repay; quasi-credit cards It refers to a quasi-credit card issued by a bank, and the cardholder is required to deposit a certain amount of reserve fund. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.