It will be easier for customers with credit cards to apply for loans. After all, credit card is the basis of bank audit, which shows that financial institutions with good credit also agree with it, and the use record of credit card can also confirm our personal credit information. Today, I will give you a detailed introduction to the online lending platform that requires multiple credit cards for payment. If you are interested, you can pay in a few seconds.
1. renren loan: renren loan is a well-known compliance management loophole with high quota and high requirements for credit reporting. However, people with good qualification certificates can apply, and this hole is used for credit investigation. After submitting the information, I will pay a return visit to myself, and some will continue to pay a return visit to my mobile phone contacts! The relativity between micro-loan and credit card bill makes it very easy to make the next payment, and the credit line will be higher! PS: If the qualification certificate is not very good, you should fill in the online search credits. According to the feedback, the probability of rejection is high.
Credit line of loan: up to 654.38 million.
Loan cycle time: June 9, 65438+February 24, 36.
Qualification: 18-60 years old, excellent personal credit customer.
Application materials: front photo of ID card, mobile operator, facial recognition, bank card account number.
Withdrawal amount authentication: company legal person authentication, Taobao seller authentication, Taobao account authentication, personal provident fund authentication, credit card authentication, company information.
Frequently asked questions: Credit card is required for credit inquiry. If the credit information is pure white, you can't borrow money. After submission, there will be a return call to yourself, and a few will call their mobile phone contacts for a return visit. Having small loans and credit card bills may increase the credit limit of loans. If you choose to repay the loan, you can repay the loan in advance, but it should be noted that only a part of the loan in advance is not considered as early repayment, and you still have to pay all the interest and management fees. You can't apply for an extension of loan repayment. Please pay back on time every month, otherwise your personal credit record will be endangered, and overdue fees will continue to be deducted. Gansu, Qinghai, Guangxi and Jilin provinces are not compatible with issuing loans.
2. Here we are: the return port of the brush group, which is very similar to the return port of white, and also the return port of credit card, but it is a relatively small port and is not often mentioned by old friends. Previously, MPOS customers needed to brush the slot a little before applying, but after going out independently, they can apply without MPOS. In the process of handling, they need to submit a credit card bill. The better the credit card bill, the higher the credit limit of the credit card, the higher the loan limit, the maximum credit limit is 50,000, and the longest service period is 12 months. It should be noted that after the approval, they will call back their mobile phones at will, and there are many.
Qualifications: 22-45 years old, normal credit card.
Application materials: real-name authentication, facial recognition, personal basic information, mobile operator authentication, credit card authentication.
Frequently asked questions: The next payment of the goods repaid by credit card is a relatively small hole, but the recent payment rate is not bad, and there are many examples of the next payment. I will upgrade it for you and try it if necessary. In the past, MPOS customers had to brush a little before they could apply. After going out independently, they can apply for no MPOS. The minimum credit line is 5000 yuan and the maximum is 50 thousand yuan. Generally, the higher the credit limit of certified credit cards, the higher the credit limit will be. Small loan companies under Dianshua Group have already joined hundreds of banks for credit reporting, but don't look at personal credit reporting. So, you know, there are naturally many examples of bad credit reporting. Approval is done by manpower and machines, and some customers will handle it immediately without paying a return visit. Some customers have mobile phones to pay a return visit. Please call 0 10-86355xxx after submission, and apply at 9: 00 _ 16: 00 on the same day, and the application will be approved within two hours. Work in Japan: 16: 00 _ application at 9: 00 the next day: approval before 12 the next morning.
3, arbitrary flowers: arbitrary flowers are nothing new, and money stations are a kind of goods. Recently, I have seen many examples of blindly following the trend, and I will give you an upgrade. If necessary, you can apply for a try! At the beginning, the restriction on telecom users entering the company was said to have been lifted when upgrading. There are indeed many examples of the next paragraph at this stage. At this stage, the investor Harbin Yuanfeng Microfinance Co., Ltd. has been added, which is a relatively reliable financial enterprise. In other words, if it is Yuanfeng's next payment, it may be used for credit investigation after loans overdue. Everyone should pay attention at that time to prevent loans overdue from influencing the credit investigation. In addition, I have feedback. I strongly recommend spending money at the money station to apply for the next payment, and then I can apply for the next payment at the free flower app. You can try it if you are interested.
How to apply for a credit card loan?
Credit card is a very common way to collect consumption in our daily life. Because it is under the control of banks, it is more reliable than other lending platforms on the market. Everyone knows that credit cards can also handle loans. In addition, there is no loan interest rate for credit card loans, only a handling fee. So how to apply for a credit card loan, and what are the ways of credit card loan? Let's study it together.
First, how to apply for a credit card loan?
Credit card loan conditions: First, you must hold a credit card of the lending bank with a good credit card record. The loan amount cannot be used for gambling and investment, and can only be used for personal consumption.
Credit card loan process: call the bank customer service number-provide credit card information-bank audit.
Second, the credit card loan method
Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit, and banks only charge fees. The fee rates are different at different stages.
1, credit card loan to buy a car, the loan amount is between 200,000 and 200,000, and the loan period generally does not exceed 3 years. No interest is charged after the application, only the installment fee is charged.
2. Shopping in the credit card mall is in stages. Users can pay by credit card when shopping online, or they can pay in e-commerce companies such as JD.COM and Taobao. When the amount is large, they can choose to pay by installments, including 3, 6, 12 or 24 installments, and repay the principal and interest every month.
How to apply for a loan by credit card, I believe everyone is very clear. Generally speaking, credit card loans are more creditworthy, because with the strong support of banks, there will generally be no problems in the process of lending. But everyone should pay close attention to their repayment time, and timely repayment is the most correct choice.
20 18 how to borrow a credit card loan from CCB? This is the only application step!
Nowadays, credit cards have become an essential tool for young people. Many people like to borrow money by credit card. Today, I'll tell you how to borrow a credit card loan from China Construction Bank on 20 18. Friends who need to apply for a loan, come and find out!
20 18, the main lending method of CCB's credit card loan is cash installment. The cash installment loan amount shall not exceed the credit line of credit card, and the loan amount shall be above 500 yuan. There are five types of credit card loans for CCB: 3, 6, 12, 18 and 24 months.
1. Download the mobile APP of China Construction Bank on your mobile phone, and find the credit card page after registering and logging in;
2. Enter the "Credit Card Page" and select "Cash Installment Application" to enter the credit card loan application process of CCB;
3. Fill in your own information according to the prompts (generally speaking, you don't need to add a lot of information after you bind the credit card);
4. After submitting the loan information, just wait for the review (CCB credit card loans will be reviewed in real time and received immediately).
In addition, WeChat banking, personal online banking and other application channels are similar to mobile banking, and you can choose according to your own preferences. Generally speaking, it is more convenient to apply for a credit card loan at CCB 20 18.
How to apply for a credit card loan
Credit card loan process:
1. You need to apply for a credit card from the bank and submit relevant supporting materials, such as identity certificate, income certificate and work certificate. , and your personal credit is good;
2. Waiting for bank approval;
3. After approval, you can get a card with a certain credit limit granted by the bank.
After the applicant activates the card, he can swipe his card to buy the required goods. However, after the credit card is overdrawn, the cardholder must repay in full and on time to avoid leaving a bad credit record.
Credit card loan definition:
Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit, and banks only charge fees. The fee rates are different at different stages.
Credit card loan terms
1. Hold the credit card of the bank applying for loan;
2. Good card use record;
3. There are restrictions on the types of credit cards, such as China Merchants Bank business card, official card, purchase card, ANA guarantee card or supplementary card, and cash installment business is not supported;
4. Cash installment funds 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.). ).
Six banks support credit card loans:
At present, Industrial Bank, Guangfa Bank, Ping An Bank, China CITIC Bank, Shanghai Pudong Development Bank and Huaxia Bank provide credit card loan functions.
At present, the application for credit card loan business is not very strict. As long as you have good credit and no bad repayment record, you can generally apply. The main methods used by banks are telephone invitation or active application by customers. In this way, they can apply for loans ranging from 5,000 to 200,000.
Credit card lending business is only suitable for short-term borrowers. They can be used on it, but they are not suitable for long-term borrowers. Because after the credit card transfer, although the cardholder can repay the loan in installments, the longer the installment time, the higher the interest. The monthly interest rate of 12 installment is about 0.75%, which means that 10000 yuan will have interest from 75 yuan. If you borrow 50,000 yuan in advance, 12 installment repayment, the monthly interest rate is 0.75%, and the annual interest is 4,500 yuan. At present, the interest rate of personal loans for six months to 1 year (inclusive) is 6.06%, and the interest rate of loans for more than five years is 6.60%. Compared with traditional loans, the cost of credit card transfer loans will be higher.
The difference between credit card loans and consumer loans
The scope of use of the two is different.
Generally, bank consumer loans will be earmarked for cardholders. For example, housing loans can only be used to buy a house, car loans can only be used to buy a car, decoration loans can only be used for decoration, and consumer loans can only be used for specific types of consumption. Credit cards are more widely used and relatively flexible. After applying for a credit card, all merchants who can pay by credit card can pay by credit card.
The cost is different.
Consumer loans do not enjoy interest-free period, and lenders need to repay each installment on time from the effective date of the loan, so the loan cost is inevitable. Credit cards enjoy a maximum interest-free period of 50 -56 days, during which cardholders can freely overdraw. As long as the repayment is made in full before the due repayment date, there is no need to bear the capital cost.
The convenience of application is different.
Consumer loan application is troublesome, complicated and strict, and usually takes a long time. In many cases, applicants need to provide more supporting documents, even mortgages and guarantees. Applying for a credit card is relatively easy. Customers can apply for credit cards through offline outlets of banks, official website, WeChat and mobile apps. In the application process, you only need to provide personal information and application materials such as work certificate and income certificate. Credit card approval time is relatively short, and it is more convenient to apply.
The two repayment methods are different.
Consumer loans can be repaid regularly, while credit cards can be repaid in full, in installments or at the minimum repayment amount, which provides more convenience for cardholders.