The Bank of Nanjing Lehua Card is not a credit card. Lehua Card is an installment business launched by Bank of Nanjing in cooperation with Shenzhen Installment Le Network Technology Co. The essence of the card is an electronic account. When a user opens a Lohua card, Bank of Nanjing will provide the user with an electronic bank account.

When users add the e-banking account to WeChat/Alipay, they can spend money in all consumption scenarios that support WeChat/Alipay, etc., and each purchase will be directly installment based on the number of installments set by the user. If users want to apply for Lohua card, they need to download the installment music APP.

After downloading the installment music APP, users can complete the registration and log in in installment music APP, and then apply for the opening of Lohua card after logging in installment music APP. After opening Lehua Card and successfully granting credit, users can choose WeChat/Alipay to set the number of installments in Lehua Card service.

Users can bind Lohua Card to WeChat/Alipay by clicking Add Bank Card in WeChat/Alipay and adding Lohua Card e-account. There is no fee to open Lohua Card, and no service fee or annual fee will be incurred if no transaction is made.

If users don't want to use the Lohua Card service anymore, they can contact the customer service of Installment Le to cancel the Lohua Card. Users should maintain good repayment habits when using the Lohua card, make payments on time and do not be late.