The exclusive installment credit card is not a real credit card product. Usually, after the user applies to the bank for exclusive consumption installment business, the bank will give a certain credit line. This money will not be directly transferred to the user's savings card, but will be transferred to a special account for special consumption installment, or to the user's credit card account. After the user uses the line to make the first consumption, the system will automatically installment, and the cardholder only needs to repay according to the specified installment.

different banks have different provisions on exclusive consumption installment, some will occupy the credit line of credit card, while others will be an independent credit line. After the quota is lowered, it can only be used for consumption, and it is not allowed to handle cash withdrawal business. In the installment repayment, there will also be corresponding installment fees.

the biggest difference between the exclusive installment credit card and the ordinary credit card is that the amount is earmarked and can only be used for consumption. In addition, the bank may also select individual users to request to upload the corresponding consumption vouchers after the consumption meeting. If the cardholder cannot provide the consumption vouchers, then the bank will require the cardholder to repay in full in advance. In addition, it is worth mentioning that exclusive consumption installment is generally only available to credit card holders of this bank.