Card Introduction

The "Lilac Inclusive" credit card stands out with its simple application process, fast fund turnover, no collateral requirement, and long-term credit availability, providing comprehensive solutions to meet customers' financial needs.

　　Automatic Installments, Easier Repayment

　　Supports credit transactions; purchases above a certain amount are automatically converted to installment payments, reducing repayment pressure.

　　Instant Transfer, Faster Service

　　Apply for cash installment or "Lilac IOU" on the mobile app, with instant transfer and fast online operation.

　　Daily Installments, More Flexibility

　　The main feature, "Lilac IOU," charges interest based on usage days, with monthly interest payments and principal at maturity.

　　Multiple Repayment Channels

　　Supports various repayment methods, including internet banking, mobile app, branch counters, ATMs, Alipay, and UnionPay online.

 　　Low Fees, Greater Savings

　　Note: "Lilac Inclusive" operates as a separate account, independent from other HarbinBank credit card accounts under the cardholder’s name, and payments must be made to this specific card number (corresponding account). The credit limit of the Lilac Inclusive Credit card account is independently set and cannot be adjusted with the credit limits of other credit card accounts, although it is subject to the total credit limit cap set by our bank for the cardholder.

Application Scope

HarbinBank Branches Nationwide