China Construction Bank accesses by stages, and the number of inquiry requests within 6 months shall not exceed 3 times. The general audit period by stages is 7 to 12 working days, which is generally audited by local branches. If there is no online loan in the credit investigation, it is not overdue, the credit card does not exceed 5 lines, the debt ratio does not exceed 50%, and the number of inquiries within 6 months does not exceed 3 times, it will pass.

Scope of application of installment pass

In fact, CCB installment is a product with a certain credit line launched by customers. The credit line is issued to a special debit card, but this debit card cannot be withdrawn, transferred, paid online or withheld. In addition, users can also purchase some specific types of products by stages through CCB.

For example, large durable goods, wedding supplies, childcare supplies, household supplies, payment, health supplies and so on. In addition, CCB will repay the principal and handling fee on the billing date of each month. Usually, the monthly handling fee is 0.5% of the total installment amount. The installment quota of CCB and the credit card quota are independent and separate, and cannot be recovered like a credit card after the quota is used up.

The installment payment of CCB is to put the money into the installment debit card at one time, and even if the user doesn't use it, he has to pay back the money. For example, he spent 1 0,000 yuan, but the first repayment plan is to return 1 500 yuan, so he must return 1 500 yuan, which is stipulated in the repayment plan and has nothing to do with the actual amount used by the user.