Lefenyi is a credit card installment product under the Agricultural Bank of China. It can only be used by designated merchants in MCC industry, including shopping, wedding, home improvement, tourism, education and house decoration. Self-built houses belong to the category of house decoration, and you can swipe your card.

When spending in non-designated merchants, you will not use the amount of Lefanyi for transactions, but use your own debit card amount. If there is no money in the card or the amount is insufficient, the direct transaction fails.