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There are many credit card loan platforms, and some banks also provide credit card loan services. For example, good loans from Bank of Communications, good cash loans and good commercial loans, as well as E loans from China Merchants Bank, financial intelligence from Guangfa Bank, Yi Dajin from Huaxia Bank and so on.
Credit cards can be used not only to overdraw consumption and buy goods, but also to apply for loans. There are many credit card loan platforms, and some banks also provide credit card loan services. For example, good loans from Bank of Communications, good cash loans and good commercial loans, as well as E loans from China Merchants Bank, financial intelligence from Guangfa Bank, Yi Dajin from Huaxia Bank and so on.
Among them, Easy Loan is an exclusive automatic installment business for eligible cardholders. After the cardholder completes the signing, when the eligible transactions exceed the set initial amount, the amount of easy loan will be used and automatically converted into easy loan installments according to the number of periods previously signed by the customer. Good cash loan is a cash consumption credit service specially provided for high-quality main cardholders. The successful loan amount will be transferred to the cash account of Bank of Communications' good cash loan business, and customers can go to the bill payment APP to withdraw cash. Good commercial loan is also an automatic installment business customized for eligible cardholders. After signing the contract, customers will spend money in designated industries (only car purchase is supported for the time being) or designated merchants (automobile/education/wedding/medical care, etc.). ), when the consumption amount reaches the set initial amount, the transaction will be automatically carried out in stages.
E loan invitation is a short-term cash credit business with daily interest provided by qualified credit card holders. After the customer successfully handles the transaction, China Merchants Bank transfers the money to the valid one-card account opened by the cardholder in the bank or other bank debit cards supported by the bank, and the funds obtained can be used for daily consumption. Caizhijin is a credit card service provided by Guangfa Bank for cardholders to repay by installments through overdraft transfer. After the customer's application is successful, Guangfa Bank will transfer it to its designated domestic savings account with the same name by overdraft transfer. E-Gold is a cash solution provided by Huaxia Bank for qualified customers by combining the functions of credit card withdrawal and installment payment. Customers can automatically use credit cards to pay in installments and borrow cash in advance. Within the credit line of Yidajin.
What are the apps for credit card borrowing?
A simple and reliable loan platform, and the loan platforms that are easier to pass are:
(1) Zhaolian Good Term Loan: For the credit products under Zhaolian Finance, it is best to apply online and review online, as long as the users have good credit and certain repayment ability.
(2) Ease Flower: The application threshold for Ease Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.
(3) Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.
(4) Micro-loan: You need to check the credit limit in advance, and users with good credit have a high pass rate.
(5)360 IOUs: pure credit loan products. If the age meets the requirements and the credit information meets the requirements, you can apply.
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
First, the conditions that should be paid attention to in bank loans are:
(1) The applicant is at least 18 years old and has full capacity for civil conduct;
(2) The applicant has good credit;
(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;
(4) Having a legal and valid household registration certificate or a valid residence certificate;
(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.
Second, the loan risk.
(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.
(2) The company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, which made it impossible to buy or sell real estate and make loans.
(3) The agreed interest rate is very low, but there are many other expenses (such as deposits and handling fees).
(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or requires additional fees.
(5) Many "dirty" companies want your house, not profit.
Third, because of the so-called low risk and high profit, many private mortgage loans are now handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there will be many routines. Is private loans really not suitable for loans? No, after all, not everyone who needs funds can borrow money from the bank. Private loan companies have solved the problem that many enterprises and individuals urgently need money.
What are the loan platforms?
There are still many formal loan platforms, and here are only three.
First, there is money to spend.
Qianhua is a credit service brand owned by Du Xiaoman, which can provide loan services for individual consumers and small and micro business owners, and is the choice of many small and micro business owners.
Users whose age and information meet the requirements can try to apply for money in Xiaoman APP. When applying for the quota, the system will evaluate it according to your comprehensive situation, and then give the specific quota and the corresponding interest rate. If you feel that the interest rate you apply for is acceptable, you can try to apply for a loan.
Second, sorry.
Borrowing is a consumer credit loan product in Alipay. Users can apply for a loan directly through Alipay, find the loan on Alipay My page, and then try to apply for opening according to the page prompts.
Third, micro-credit loans.
Micro-loan is a credit product of Weizhong Bank. At present, there are two application channels: WeChat and mobile QQ. Take WeChat as an example. As long as we can find the words "micro-loan to borrow money" on our service page, we can try to apply for opening, and the system will review it. Users who can successfully open and get a quota can try to apply for a loan.
The application methods of these three platforms are still quite similar. We just need to find the product entrance in the corresponding app, click enter, read the agreement according to the prompts and agree to open it, and then we can try to apply for the quota. Users who get the quota can try to apply for a loan.
What platforms are there for credit loans?
The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, JD.COM Jinmin Piman Finance, Suning Finance, Ping An Hewlett-Packard, Microfinance, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.
The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.
1. Have money to spend: The credit production bridge module under Du Xiaoman Finance is a formal and reliable loan platform, in which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.
2. Credit loan
The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.
If there is demand, I recommend that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, which is highly supported by Baidu brand background and technology.
In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.