1."E-Loan Invitation" is only for the main credit card holders of China Merchants Bank. Only holders of student cards, platinum installment cards, business cards, official cards, purchase cards or supplementary cards cannot apply for it for the time being.
2. The applicant cannot have a loans overdue in the near future, and the credit card is overdue; Be sure to make a good record of using the card and repay it on time.
3. It shall not be used for investment (including but not limited to equity investments such as house purchase, stocks and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).
Extended data
Cardholders can apply for "e-loan" business through self-service channels such as mobile banking, online banking popular version, online banking professional version, handheld life cardholder terminal or credit card customer service hotline (including sales line).
"Easy Loan" repayment method:
When applying for "e-loan", the cardholder can choose the repayment method of "repayment at any time" or "repayment by installments".
If the cardholder chooses "repayment at any time" when applying for "e-loan", after the successful application, he will not enjoy the interest-free repayment period, and interest will be calculated on a daily basis from the trading day, and no additional handling fee will be charged.
If the cardholder chooses "installment repayment" when applying for "e-loan", a certain handling fee will be paid in installments after the application is successful. The handling fee shall be collected in installments, with the total amount of each installment × handling fee rate, and the monthly rate shall not exceed 0.95%. The repayment amount of each installment and the cardholder's current handling fee will be included in the credit card bill of this installment, and no additional interest will be charged.
Terms and Conditions of China Merchants Bank-China Merchants Bank Credit Card E-loan Business