The user applied for E-loan from China Merchants Bank before 16, and received it on the same day. /kloc-if the application is made after 0/6, it will arrive at the account around 8: 00 the next morning. When applying for this product on weekends or holidays, the approval speed is the same, and it will not be affected by weekend and holiday factors. If users need money urgently, it is best to apply before 16.

E-loan of China Merchants Bank is a loan service for credit card (debit card) customers of China Merchants Bank. Users without credit card (debit card) cannot apply.

When will the e-loan application of China Merchants Bank arrive?

According to the lending situation of e-loan, it is generally received within 24 hours after the approval is successful. If the user succeeds before 16:00 on the same day, it may be received on the same day, and if it is after 16:00, it may be received the next day. Therefore, if users want to arrive early, they should apply as early as possible, so that the corresponding approval and lending speed will be faster.

If there is a delay in the arrival of the account, it may be because there are a large number of users applying at present, so it takes a long time in the audit process; There are doubts about the application materials submitted by users. It takes too long for China Merchants Bank to verify the situation. You can ask the customer service of China Merchants Bank for specific reasons, and then follow the instructions of the other party.

After successfully applying for e-loan, you must use it in compliance and repay it on time. You must never fail to pay it back after the deadline, which has a great impact on the user's personal credit.

E-loan of China Merchants Bank is a short-term cash credit business with daily interest for eligible credit card holders.

After the application is successful, the money will be transferred to the valid one-card account opened by the cardholder in China Merchants Bank or the debit card of other banks supported by China Merchants Bank (the account opening certificate must be the same as the bank's credit card).

This money can not be used for investment, such as house purchase, stock and futures investment, but can only be used for consumption, such as decoration, home appliances, wedding, car purchase, student aid, tourism and medical care.

"e-loan" has an independent bill, and the date of the bill is the same as that of the personal credit card. The interest generated in each billing cycle will be summarized into the "Cyclic Interest" of the current bill. Repayment needs to be made to the "e-loan" account separately.

The timely repayment of e-loan of China Merchants Bank has increased the fixed amount, and its use characteristics are as follows:

Lightning loan: no materials, no mortgage, online application, the fastest 30 seconds to complete the application.

Exclusive limit: independent e-loan account, exclusive cash limit, up to 30W, separate bookkeeping and separate repayment.

The first evaluation will call the interface of China People's Bank (that is to say, the credit report will be checked). If successful, an account will be added, and the loan will be credited to a debit card at one time (supporting multiple banks).

Daily interest calculation: the daily interest rate is 0.05% (0.04% during the promotion period), and the e-loan can be paid off at any time without affecting the personal account.

Flexible repayment: only the minimum monthly repayment is required, and the minimum repayment is calculated according to 10% of the total debt on the billing date. Pocket Life Application Process: Log in to Pocket Life App and select Card. Pay "→e", and you can try to apply, and the system will give the audit results in real time.

How long does it take for China Merchants Bank to successfully apply for e-loan?

China Merchants Bank successfully applied for e-loan, and the money arrived in real time at the first time. After the cardholder successfully applies for "e-loan", the system will review the time of payment arrival.

After the bank approves the cardholder's application, it will transfer the money to the valid one-card account opened by the cardholder himself (the account opening certificate of one-card must be the same as the credit card) or other bank debit cards designated by the cardholder and supported by China Merchants Bank, including the applicant bank. The account opening certificate of the above account must be the same as the credit card of the bank under the cardholder's own name.

If the debit card account information provided by the cardholder is incorrect or the account status is abnormal (including but not limited to account cancellation, loss reporting, freezing, etc. ), transfer failure or error (including but not limited to the account provided by the cardholder and other people's accounts, etc.). ), all expenses and losses arising therefrom shall be borne by the cardholder.

Extended data:

Once the cardholder's application for "e-loan" (including "repayment at any time" and "installment repayment") is approved, it is irrevocable, and the application amount or application period cannot be changed.

Active repayment: After applying for "e-loan" (including "e-loan installment") for the first time, an independent "e-loan" account will be generated, and the cardholder needs to designate the "e-loan" account separately for repayment. At present, the repayment channels supported are: pocket life, mobile banking and online banking.

Automatic repayment (minimum repayment amount): After applying for "e-loan" (including "e-loan installment") for the first time, the automatic debit agreement will not be opened in the "e-loan" account by default, and the cardholder can set the automatic repayment function of the "e-loan" account through mobile banking and online banking, and the automatic debit amount only supports the deduction of the minimum repayment amount.

To pay off the arrears in advance, you must call the customer service hotline of the bank credit card center to apply. After the application is approved, you must pay off the outstanding principal and the remaining unpaid expenses in one lump sum. The installment fee charged will be collected by the bank's credit card center as liquidated damages. If these liquidated damages are not enough to make up for the losses of the bank credit card center, the bank credit card center has the right to recover the difference.

Terms and Conditions of China Merchants Bank-China Merchants Bank Credit Card E-loan Business

Excuse me, how many hours does e-loan usually take to arrive?

E after the loan is approved, it will generally arrive within 24 hours. However, if it is the afternoon of the same day 16, the money will usually be received on the same day. After 16, the money arrived the next day. If you want to arrive at the account on the same day, try to write in detail when filling in the loan information. And you must apply before the same day 16 to get the account on the same day.

If the timeout has not arrived, please contact the customer service of China Merchants Bank for consultation.

More information about e-loan usually takes several hours to arrive. Go to: See more.