The fixed credit limit of this card is zero, and only installment credit limit is granted. During the validity period of the card, the annual fee is free, and it will be spent at the designated merchants of our bank according to the agreed purpose.
1. CCB's installment business refers to the business in which the applicant applies to our bank for a special installment quota (hereinafter referred to as installment quota) due to large consumption demand, and issues installment cards after approval by our bank. The applicant independently uses the installment card according to the prior agreement, spends money at the merchants designated by our bank, repays monthly within the agreed time limit, and pays a certain handling fee according to the agreement between CCB and the applicant.
Second, business highlights
1. Exclusive credit line: exclusive credit line, with a maximum of 300,000 yuan;
2. Preferential interest rate: 0 interest, and the preferential interest rate for each period is 0.4%;
3. Convenient application: convenient application procedures and quick loan approval;
4, a wide range of uses: covering food, clothing, housing and transportation to meet your needs;
5, easy repayment: the longest repayment of 60 periods is stress-free;
Early repayment: the remaining principal can be repaid without penalty interest or liquidated damages.
Third, product introduction
1, and the line range is 300,000-300,000 (details of line confirmation: you can check the approximate line with your ID card);
2. Product rate: 0.4% (i.e. 1 000 yuan, and the handling fee for each period is only within 40 yuan);
3. Loan term: 6-60 installments: monthly installments;
4. Entry age: 22-60 years old. Scope: Hangzhou area;
White list access: CCB mortgage customers, provident fund, payroll, high credit score, official cards, prestigious school cards and other customer groups. Specific requirements for credit reporting: three times can't be tired; Number of inquiries: no more than 5 times in half a year; Debt requirements: no more than three (excluding consumer credit line) and no more than 80% of credit card line.
Fourth, the handling process
1. Application: After you receive an invitation by phone or SMS to inform you of the pre-approval amount, bring your ID card to the designated outlets for processing. (The white list customers of the system will be updated once a month, and they can only be successfully processed if there is a quota).
2. Face-to-face interview with the bank, fill in the basic information and review the results, about 10-20 minutes.
3. Approval: We will comprehensively score your installment application, and we will inform you by SMS after approval.
5. Is it easy for CCB to live by stages?
It is not easy for installment payment to pass the approval of CCB, because it requires a higher credit score for users. At present, it is known that three types of customers can apply for CCB installment, such as CCB mortgage customers, CCB credit card customers and CCB provident fund customers, but even these three types of customers must have good credit to pass the examination and approval, so the current CCB installment pass rate is not high.