E credit card (debit card) * *. When using e-loan, the available credit cards (credit cards) will decrease. However, the total credit line of credit card (debit card) will not be affected. Therefore, if users are worried that credit cards (debit cards) are not enough, then don't use e to attract loans. Or apply for a temporary credit card (debit card) to increase the available credit card (credit card).

For users, e-loan and credit card (debit card) are different products, and users can use them according to their own needs, but they will affect each other's quota.

Does China Merchants Bank's e-loan take up credit card quota?

China Merchants Bank e-loan does not occupy the credit card quota, and belongs to the cash loan business of credit card holders. It is independent of credit cards and has an independent quota and a separate account. And the e-loan bill requires the user to repay in his exclusive account, and cannot be repaid by credit card bill.

China Merchants Bank (1987) was established in Shekou, Shenzhen. It is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China and the first pilot bank to promote banking reform from outside the system.

65438+20201On the first day of the first lunar month, China Merchants Bank decided to donate 200 million yuan to Wuhan through the Wuhan Charity Federation to fully support Wuhan in fighting the epidemic. After the Wuhan New Pneumonia Prevention and Control Headquarters issued the announcement of accepting social donations, China Merchants Bank immediately responded to the call, and the Special Affairs Office started relevant processes, completed internal approval in a short time, and donated 200 million yuan to help Wuhan. It is reported that the donation will be used by Wuhan New Pneumonia Prevention and Control Headquarters as a special fund for epidemic prevention and control.

Products: Debit card: divided into one-card and golden sunflower card, with the functions of fixed deposit, multi-currency, and multi-function.

Credit card: a credit card in the form of chip and magnetic stripe, which has all functions such as overdraft and integral.

Golden sunflower financial management: a comprehensive financial management service system for individual high-end customers, covering liabilities, assets, intermediary business and financial consultants.

China Merchants Group Co., Ltd. indirectly holds 29.97% of its shares through the merger of China Merchants Steamship Co., Ltd., Shenzhen Zhao Rong Investment Holdings Co., Ltd., Shenzhen Yanqing Investment Development Co., Ltd., Shenzhen Chu Yuan Investment Development Co., Ltd., China Merchants United (bvi) Co., Ltd., Best Winner Investment Limited and China Merchants Industrial Development (Shenzhen) Co., Ltd., and there is no pledge of its shares. Among them, China Merchants Steamship Co., Ltd. directly holds 65,438+03.04% of the company's shares, which is the largest shareholder of the company with a registered capital of 7 billion.

Do you enjoy the e-loan and credit card limit of China Merchants Bank?

There is no e-loan and credit card limit of China Merchants Bank.

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:

First, lightning loan: no materials, no mortgage, online application, the fastest 30 seconds to complete the application;

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

Third, the first evaluation will call the PBOC interface (which means that 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);

4. 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;

5. Flexible repayment: only the minimum repayment amount is required every month, and the minimum repayment amount is calculated according to 10% of the total debt on the billing date.

After the cardholder successfully applies for "e-loan", he/she needs to pay the installment fee (hereinafter referred to as "the fee"). The single installment fee = the total amount of application × the installment fee rate, and the actual installment fee rate is subject to the real-time evaluation of the system. The approximate converted annualized interest rate corresponding to the installment fee rate is 0%- 18.25% (the approximate converted annualized interest rate is calculated with simple interest, for reference only, and the actual annualized interest rate is slightly different due to the interval between the installment product selected and the billing date, the actual number of days per month, the repayment method and other reasons. ), which is the annualized IRR calculated according to the cardholder's cash flow and the number of installments.