ICBC's happiness installment loan refers to using the happiness installment card to handle ICBC's e-loan, and then transferring the amount of the happiness installment card to a debit card for consumption in specific scenes, such as cars, home improvement, renting houses, weddings and education. If the payment scenario does not meet the use conditions of happiness staging, there will be a prompt of payment failure. In addition, the amount transferred to the debit card cannot be withdrawn.