Second, at the same time, banks also limit the consumption of this fund, such as buying a house and investing. If you want to brush it out, you'd better choose a pos machine for daily consumption, such as: settlement, a large number of durable goods consumption, health, parenting, wedding, etc!
I. Handling process for CCB to open branches in stages:
1. When applying, you can submit an application for "phased connection" at any CCB outlet.
2. Loan approval: After the approval of CCB, the customer will be notified by SMS and the installment pass card will be issued to the customer.
3. Consumption: the customer eats the installment card and swipes the card at the designated merchant according to the agreed purpose.
4. Repayment: The customer repays according to the amount listed in the Longka credit card bill.
If there is no quota, it is because installment is only open to CCB's high-quality customer groups.
Second, the phased application population:
1, employees of enterprises and institutions who pay provident fund.
2. CCB credit card quality customers
3. CCB mortgage customers
4. CCB pays customers wages, etc.
Three. Reasons for rejecting quota application:
100% cannot be paid successfully if there is a pre-approved limit. If the applicant does not meet the loan conditions of the bank in some way, it will be rejected. The specific reasons are as follows:
1. Credit investigation: All bank loans should be subject to credit investigation. If Ren Shen has a bad credit record, he will not only be rejected by stages, but also be difficult to apply for other loans or credit cards. The best way is to eliminate overdue application first (ps: you can consult Shule if you want to learn overdue treatment techniques and methods).
2. Stability: Stability mainly depends on work income, and work determines income. If the job is unstable and you often change jobs, then your income is unstable, and people with poor stability are at great risk of overdue.
3. Assets: Although installment is not a mortgage loan, when a bank applies for a credit card or loan, the rate and amount of assets are much higher, because assets reflect a person's economic strength, such as cars, houses, savings and wealth management.
4. Can I borrow it after installment repayment?
Periodic loan supports installment payment, but two conditions need to be met:
1, there must be an available line, because some partners may be repaid by the bank, and they can't borrow without the line.
It must be approved by the bank. If there is a quota, the bank will re-examine every loan application. Only when the conditions are met will the loan be made, not the previous loan, and the latter loan will be successful.