Discover how easy it is to apply for the E分期 service with just four simple steps, provided by Eqxiu's online design platform. Step 1: Open 'China Industrial and Commercial Bank' APP or 'ICBC E-Life' APP, click on 'Ronge Borrow'. Step 2: Complete identity authentication and authorization query. Step 3: Start calculating your credit limit. Step 4: After obtaining the credit limit, click 'I want my credit card' to apply for a happiness credit card online or visit a local ICBC branch for self-service application. Once the card application is successful, you can adjust the credit limit of your existing credit card. Step 5: After successfully applying for the happiness credit card, present your ID and the happiness credit card to any ICBC Qinzhou Branch for the 'e分期' service application. Tips: After the first 'e分期' transaction at a branch, you can handle subsequent transactions online via the 'ICBC E-Life' APP or 'China Industrial and Commercial Bank' APP without leaving your home.