CCB installment pass is a product launched by CCB to give customers a certain credit line, which will be issued to a special debit card.
Brief introduction of CCB's phased communication
1. installment pass is a credit product launched by China Construction Bank. Give credit lines to users who have applied for installment, so as to meet consumers' daily large consumption demand. Consumers can choose to use the installment card of CCB when they cannot pay in time for large-value goods, but they must swipe their cards at designated merchants, which is more troublesome.
2. Users who have applied for the installment card of CCB can buy a large amount of durable consumer goods, including wedding supplies, maternal and child supplies, etc. Even pay taxes, but you can't withdraw cash, transfer money or withhold it by credit card.
3. In terms of repayment, you can choose to repay the remaining principal in one lump sum. Whether the installment transaction is cancelled or returned depends on the situation. For example, after consumption, the installment quota can still be restored if it is cancelled before posting, but if it is returned after posting, the corresponding transaction will be terminated in advance and the installment quota will not be restored. Therefore, when using the installment card, we must be clear about these problems and pay attention to the validity period after the installment card is issued successfully. If the line is not used within 60 natural days from the effective date, CCB has the right to cancel the line.
The credit card installment products launched by China Construction Bank can be used in diversified consumer credit scenarios which cannot be met by the fixed credit card quota and cannot be covered by the installment products in the current market. The installment plan of China Construction Bank has the characteristics of "convenient application, exclusive quota, wide use and easy repayment". When we choose credit card products, we can choose according to our own needs, and fully consider our economic situation and repayment ability, so as not to affect our credit history.