As far as I know, China Construction Bank does not provide small loan functions. Is the poster talking about CCB’s cash installment service?

Cash installment: it can be obtained from your credit limit. Give you a sum of cash and transfer it to your savings card at CCB. You can then withdraw it from your savings card (note that it is not withdrawn directly from your credit card), and then pay it back to the bank every month. The advantage of this business is that it is not restricted by POS machines and can be used for cash transactions.

Processing time: no specific restrictions

Processing amount: starting from 500 yuan, must be an integral multiple of 100 yuan, up to the available limit of your credit card (not counting overpayments) and temporary quota), the total amount does not exceed 50,000 yuan

Application channels: Other credit card homepages, cash installment business introduction page, CCB outlets, CCB self-service equipment, CCB installment dedicated voice system (WeChat cannot apply)

Instalment fees: I took a screenshot of the official website for the poster. You can take a look at it:

For example: Assume that the poster’s bill date is the 5th of each month, and the payment is due on the 5th. It is 20 days after the bill date, that is, the 25th of each month. The poster's credit card credit limit is 30,000 yuan, and the current available limit is 30,000 yuan. On 9/20, he applied for a cash installment of 30,000 yuan, and selected 12 installments. The principal of each installment = 30000/12 = 2500 yuan, the installment handling fee = 30000*0.75 = 225, the total *** installment handling fee for 12 installments = 225*12 = 2700 yuan, the installment repayment of each installment = 2500 225 = 2725 Yuan (bill due on 10/5, payable before 10/25).

The above briefly introduces the cash installment business to the poster, but the specifics should be considered based on the actual situation of the poster.

If the poster has any other questions, you can ask.