What you are talking about is the individual loan fund launched by China Construction Bank. In this case, that is to say, the family is really short of funds after buying real estate, and plans to decorate the house at this time. At this time, there is not much money to apply for this decoration fund from China Construction Bank. When she applied, she first applied in the form of a credit card. For this kind of funds deposited in your account, it is about 654.38+ten thousand yuan. This kind of funds can be used to buy all kinds of tiles, cement building materials, etc. During the renovation period, and these items are all ok, but you need to go to the physical store to spend money by credit card before you can withdraw cash directly. Because this corresponds to the huge cost of post-processing expenses such as cash withdrawal, the processing expenses above 65,438+10,000 yuan can reach the handling fee above 10000 yuan. After spending with a credit card, you will repay the money at the original time every month. Accordingly, you will form a form of loan, and you must repay it according to it. If you have bad credit, it will have a great impact on all aspects of your future life and will have a bad impact on your children. Therefore, at this time, we must pay attention to safety when using funds, and we must also pay attention to the clarity of each record when using credit cards to decorate by stages, and it is very important to repay in advance according to their repayment time.