Use a debit card to spend in the specified consumption scene. After ICBC's installment loan application is successful, the amount of the happiness installment card can be directly transferred to the user's debit card account, and the user can use the debit card to spend in designated consumption scenes, such as cars, home improvement, housing, weddings, education and other consumption scenes. If the payment scenario does not meet the use conditions, there will be a prompt of payment failure. ICBC credit installment loan, also known as automatic installment loan, is a credit consumption loan product launched by ICBC. After applying for the installment loan of ICBC credit, users can spend directly within the credit limit and repay the loan principal and handling fee on schedule.