"Maintain the guaranteed return line" does not engage in price wars. The annual interest rate for cash installment payment with credit cards has risen to over 3%, equaling the price limit for consumer loans.

Recently, several banks that had cash installment credit card rates below 3% have bid farewell to the market. Reporters have observed that some banks' credit card centers have reduced the promotional rates for cash installment, causing the installment annual interest rate to rise above 3%. This means that the actual interest rates for cash installment have reached the same level as the price limit policy for consumer loans. Previously, some banks had launched limited-time promotional activities for cash installment with varying degrees of discounts on interest rates, with the lowest discount reaching below 20%, resulting in an overall cash installment annual interest rate lower than 3%.