Beibin Consumer Finance Company’s products do not have credit cards, but its revolving credit products are similar to credit cards and can be borrowed and repaid at any Bank of Beijing branch and self-service machine. .

1) Direct payment loan products are after the customer's application is approved, BIB Consumer Finance Company will directly issue a certain amount of loan to the account designated by the customer for consumption.

2) Entrusted payment loan products are used by customers to purchase goods or services at Beibin Consumer Finance Company’s cooperative merchant stores. They apply for a personal loan from Beibin Consumer Finance Company and apply for consumption installments. Beibin Consumer The financial company pays the fee to the merchant on behalf of the customer, and the customer directly enjoys the product or service.

3) The revolving credit loan product is a loan product provided by Beijing Bank Consumer Finance Company to customers based on their credit status that can be recycled multiple times and withdraw cash. Customers can choose to use physical cards or virtual cards according to their consumption habits.