Can I apply for a loan by credit card?
You can apply at the local bank.
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
How long can I apply for a credit loan with a credit card?
According to my years of experience in banking and using credit cards, I can handle two situations.
1. Generally, no bank handles cards by card, and the new card is generally higher than the original card.
The premise is that you have a credit card now, and the amount may not be high, but it doesn't matter. Remind you to keep a good repayment credit record, even if you keep the minimum repayment amount every month. When I was in college, I only paid the minimum repayment amount every month for quite a while, but the bank called me on its own initiative and increased the quota for me. Or use a credit card for more than half a year, or you can take the initiative to apply for an increase in the quota through customer service phone. In this way, your existing credit card limit will continue to increase, which is more convenient for you to apply for a high credit card in the future.
2. When applying for a credit card, submit relevant property certificates. Such as automobile production, real estate.
In fact, for high-value credit cards, I personally understand that the threshold for not having a bank is high or low, but different banks have different requirements for property certificates. It is not enough to provide them casually, depending on whether the bank accepts them.
For example, Minsheng Bank, where I worked, divided the high credit cards into diamond cards (starting from 200,000 yuan), luxury platinum cards (starting from 80,000 yuan) and standard platinum cards (starting from 40,000 yuan). However, the bank does not accept the certificate of automobile production. Even if you have a famous car, the only acceptance condition is: using a card to handle a card or a real estate.
There is no need to provide any additional proof of assets to apply for a card: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000 (the original credit limit is more than 40,000, and the standard platinum card can be applied, the luxury platinum card can be applied for more than 80,000, and the diamond card can be applied for more than 65,438+0.5 million).
Real estate purchase: the standard platinum card requires the real estate value to be more than 800,000 yuan, the luxury platinum card requires 6.5438+0.6 million yuan, and the diamond card requires more than 3.2 million yuan.
According to my understanding of some colleagues around me, Guangfa and China Merchants Bank both accept certificates related to automobile production, so different banks have different application conditions. I suggest you consult the credit card handlers who set up stalls on the street and in shopping malls, or call the customer service of various banks.
How to get a credit card loan
If it is a credit card of China Merchants Bank, you can log in to the Pocket Life client and try to handle cash installment, e-loan, reserve fund, etc. Please refer to the audit results for the specific amount and expenses.
Can ICBC apply for a credit card loan?
Sure,
Credit card application conditions
China people, foreigners and compatriots from Hong Kong, Macao and Taiwan who must be at least 18 years old, have full capacity for civil conduct, have a legal and stable source of income and have a good credit standing can apply for a bank credit card with their valid identity documents.
The materials to be provided are as follows:
1. Identity information: copy of resident ID card or military officer's card; Hong Kong and Macao compatriots provide copies of their mainland travel permits and residence certificates for more than one year; Foreigners can provide copies of passports and residence permits for more than one year.
2. Proof of work income: proof of salary and a copy of social security (paid for more than half a year).
3. Auxiliary materials for applying for a credit card: education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, telephone bills, utilities, gas bills and other original documents in the last three months of the current residence.
Can I get a credit card?
Applying for a credit card has nothing to do with having a loan!
Card requirements: 1, at least 18 years old; 2. Hold a valid ID card; 3. No bad credit record; 4. There is a work certificate and income certificate stamped with the financial chapter of the unit; 5. Other financial certificates, such as real estate, automobiles, stocks and bonds. 6. Social security certificate; The first four are the most basic conditions. If you can provide 5~6 supporting materials, it will improve the success rate of application and credit limit.
Can I apply for a loan by credit card?
1. Credit card (debit card) has two functions: one is consumption overdraft and the other is cash overdraft.
Second, within the repayment period stipulated by the bank, consumers do not charge fees for overdraft repayment; However, cash withdrawal and overdraft are subject to a handling fee of about 3% and interest of five ten thousandths per day!
Three, credit card cash withdrawal can be handled at the bank counter or ATM machine, but according to the basic regulations of the People's Bank of China, the maximum daily withdrawal limit of credit card is 5, which shall not exceed 2000 yuan.
Fourth, if you have multiple credit cards from the same bank, the credit limits of these credit cards are all used for * * *, and the cash withdrawal must also be within the limits set by the bank; If you have credit cards from several banks at the same time, the total withdrawal amount of all credit cards will be very high.
Fifth, the interest on overdraft withdrawal is 0.5 ‰ of the daily interest rate. If there is no cash in the card, that is, it is all overdrawn, then a withdrawal fee of 0.5 ‰ of daily interest will be charged.
How to get a loan with a credit card?
Loan to buy a house or do business? If you buy a house with a loan, you must have proof of your work unit and income, so that the bank will give you a loan if you have the ability to repay the loan. If you have a house, you can mortgage it to the bank, and the bank will give you an evaluation and give you a loan of 70%. When you get a credit card, you must pay attention to timely repayment, which will affect your reputation. If you have a bad reputation, you can't get a loan.
How to apply by credit card
If you use China Merchants Bank credit card, you can try to apply for a consumer reserve fund. That is, recruiting eligible cardholders to provide consumer credit services for installment repayment. After the application is successful, the money will be transferred to the cardholder's personal credit card account, giving priority to offset the RMB arrears under the personal consumption account of credit cards (except platinum installment cards and business cards). Unused consumer reserve funds will offset new transactions, but they cannot be withdrawn through overpayment.
How to use China Merchants Credit Card Loan?
Hello, if you need to handle our credit card business, do you mean to do cash advance business? The following is about the business of cash advance, please know:
Our personal credit card has the function of borrowing cash in advance. You can withdraw cash from your credit card through the ATM and bank counter of our bank or other banks (the same as using debit cards), or you can transfer the money from your credit card to the savings card of China Merchants Bank in your own name through online banking and telephone voice (the cash withdrawal function of business credit cards is consistent with the company's settings). Tips: There will be a certain handling fee and limit for cash advance, and interest-free repayment will not be enjoyed. From the date of cash withdrawal to the date of settlement, interest will be charged at the rate of 0.5 ‰ per day, and compound interest will be calculated monthly.
Cash in advance:
Cash advance, also known as cash withdrawal, is a credit card function that provides cardholders with small cash loans. Our credit card supports cash advance through ATM, bank counter, online banking and telephone.
Limit: Generally, the advance cash limit is 50% of the credit limit (except for cards with special provisions). At the same time, the maximum daily withdrawal amount of each card in China is RMB 2,000; The daily cumulative cash advance of each overseas non-UnionPay line shall not exceed the equivalent of 1 ,000 USD, the cumulative cash advance of 1 month shall not exceed the equivalent of 5,000 USD, and the cumulative cash advance of 6 months shall not exceed the equivalent of 1 ,000 USD.
Handling fee, interest and limit: handling fee: the domestic handling fee for RMB cash withdrawal is 65,438+0% of each cash withdrawal amount, and the minimum charge is 65,438+00 RMB; The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, and the minimum charge is USD 3 or 30 yuan RMB (USD 5 or 30 yuan RMB for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card). There is no inter-bank handling fee for cash advance.
Interest: Cash advance does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis.
If you have any questions about other CMB credit cards, please search for "4008205555" among QQ corporate friends and add "CMB Credit Card Center" as your friend; Or search for "cmb4008205555" on WeChat, and pay attention to "China Merchants Bank Credit Card Center" for consultation. Thank you for your attention and support to China Merchants Bank!
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.