1. Overdraft consumption This credit card virtual product has a limit just like ordinary credit cards. Its maximum limit ranges from RMB 10,000 to RMB 30,000, so this product is also available. For overdraft consumption. You can use it in any domestic consumption channel, based on the existing acquiring network of Agricultural Bank of China or inter-bank, to conduct online and offline UnionPay standard transactions with or without a card, and the payment is convenient and safe. You can use your credit coin account for Agricultural Bank of China's online express or online banking payment, or you can bind your Alipay, WeChat and other accounts for third-party payment, and you can also activate Agricultural Bank of China's Cloud QuickPass for payment at physical merchants.
2. Transfer As a virtual credit card product, it naturally has the basic functions of an ordinary credit card. It also allows for fund transfers. You can bind your debit card account at Agricultural Bank of China to transfer funds within the limit.
3. Withdraw cash Since this virtual credit card product has a limit, you can withdraw cash. Its cash withdrawal limit is 50% of the account limit.
4. Installment This product can also be used for installment business. Its optional installments include 3, 6, 9 and 12 installments. The installment rate is that the handling fee for each installment will be charged in one lump sum on the first billing day. The above is a summary of the functions of Agricultural Bank of China Credit Coin. As a virtual credit card product, it has all the basic functions of ordinary credit cards. The usage method is not very different from traditional credit cards. Friends who have applied for this product can refer to the summarized information.