When we approve your credit card application, we approve your total credit, that is, the credit line that can be recycled. This is a small unsecured loan with daily interest. You can use your card freely within this credit limit, and you can borrow a certain percentage of cash in advance. The available amount varies according to your monthly card consumption and repayment. You can choose how much debt to repay each cycle, and we will automatically restore the corresponding credit line for the part you have repaid.
The above contents are for your reference. Please refer to the actual business regulations.
How to borrow a credit card loan?
In addition to seeking loans from banks and online lending platforms, credit card loans are the most commonly used. By submitting some personal information, you can get a certain amount of loans, which can be used for daily consumption and personal credit data, so as to better obtain high loans from banks.
What is a credit card loan?
Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
How to use credit card loans:
According to the credit status of credit card holders, banks will increase the installment quota of their credit cards to meet the needs of cardholders to buy designated brand cars during the disposal period of designated dealers. Cardholders can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
Handling fee: You don't need to pay bank loan interest to buy a car by installment with a credit card, but you have to bear a one-time handling fee. Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after installment purchase), and the handling fee rate of each bank is different.
Loan Term: Generally, the longest term of car purchase by installment is 24 months.
Down payment: If you buy a car by credit card, you generally need to pay a down payment of not less than 30% of the car price.
Limit: The bank has regulations on the credit card installment loan amount. For example, CCB stipulates that the installment amount range of car purchase is 200,000-200,000.
How to get a credit card loan?
With the rapid popularization of credit cards, more and more people use them now. Credit cards bring a lot of convenience to our lives, and we can even use credit cards to solve financial problems. Let's talk about how to borrow money by credit card first.
How to borrow a credit card loan?
In fact, credit card loan is credit card cash installment, also called cash withdrawal installment. Generally, the credit card holder applies or the issuing bank actively invites the cardholder to apply, and the credit limit of the cardholder's credit card is converted into cash, transferred to the designated debit card, and returned in designated installments every month.
To put it bluntly, the bank will convert the amount of your credit card into cash according to the amount you apply for, and then you can repay it in installments.
Bank cash installment business
Most banks provide credit card "cash installment" business, and each has its own name, and some have formed fixed brands, such as "Enjoy Loan" of Bank of Communications, "Dream Enjoy Loan" of CITIC and "Wealth Management Fund" of Guangfa.
Different banks have different approval quotas, up to 50,000 half. Most banks' approval quota is within the credit line, and some banks are special, such as CITIC Dream Grant, which can reach three times the credit line at most.
Matters needing attention in applying for cash installment payment
1. Some banks need users to pay special attention to the use of funds. For example, China Merchants Bank stipulates that funds should 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, home appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).
2. Due to the different regulations of different banks on cash installment business, the cardholder needs to confirm the fees, quotas, charging information, arrival time, etc. Advance payment from the bank.
How to apply for a credit card loan
How to apply for a credit card loan
How to apply for a credit card loan? In fact, credit card loan is the overdraft of cash consumption of credit card. Apply to the bank, and after approval, the bank can put the funds into the debit card given by the cardholder for use. How to apply for a credit card loan?
How to apply for a credit card loan 1
First, the advantages of credit card loans
How to get a credit card loan? What is the process? It is also very important to understand the advantages of credit card loans for such problems. Credit card loan approval is very fast. According to the different regulations of different banks, it can be successfully handled within one or two working days. Moreover, the procedure is very simple. You can apply for and handle loans by telephone or online, which greatly facilitates people's handling process and effectively meets people's loan needs.
Second, the credit card loan processing process
1. Apply to the bank
In order to effectively carry out credit card loans, the most direct way is to apply to the bank effectively. However, due to the regulations of the bank, the application should be called cash installment application, not credit card loan.
Step 2 provide effective information
When applying to the bank, the customer service staff will ask the user some questions.
(1), that is, the credit card, the user name and the three digits behind the credit card, that is, the CVV code.
(2), is to understand what is the purpose of users to apply for cash installment.
(3) Confirm the number of cash installments, and the customer service will give the user a detailed introduction, including the handling fee rate, which should also be understood under the explanation of the customer service staff, and then the user will choose the appropriate installment number for repayment according to the actual situation.
3, banks need to do "audit"
After the user applies for cash installment, the bank will effectively review the user's application, including reviewing the user's personal data, such as whether it is handled by himself, whether the personal data is accurate, etc., and also reviewing the user's loan amount, which is closely related to the user's usual credit history and repayment situation.
How to apply for a credit card loan II
1. What are the conditions for a credit card loan?
1, the general bank will stipulate that you must work in your current unit for 3 months;
2. Individuals have no bad credit records and can only apply if their monthly income conditions reach a certain standard;
3. If you have used a credit card, you can go directly to the bank counter, but the amount will not be very high;
4. The borrower is in good debt condition and has repayment ability;
5. There is a certain income, and the income is stable, forming a stable bank flow.
2. What does credit card loan mean?
Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
According to the credit status of credit card holders, banks will increase the installment quota of their credit cards to meet the needs of cardholders to buy designated brand cars during the disposal period of designated dealers. Cardholders can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
How to apply for a credit card loan?
1, telephone application. Credit card loan is actually an overdraft of credit card cash consumption. Apply to the bank, and after approval, the bank can put the funds into the debit card given by the cardholder for use. Call the relevant bank customer service and tell the bank customer service that they need a credit card to apply for a loan.
2. Go to the bank. You need to provide credit card information, such as name, credit card loan purpose, etc. Wait for the bank to review your information. Whether the information provided is accurate or not needs to be confirmed by yourself.
How to apply for a credit card loan
1, automatic deduction by binding savings card.
At present, many credit card issuing banks provide automatic repayment service, that is to say, if you have a savings card of this bank, as long as automatic deduction is set, the bank will automatically deduct the credit card when it is about to expire. But this premise is that there must be money in the savings card. If the money in the card is too small to be deducted, it will be very troublesome if it is overdue.
2. Repayment by online banking transfer
You can log on to the personal online banking or credit card website, and you can not only repay your own credit card, but also repay others with a click of the mouse. In addition, personal online banking also supports inter-bank repayment. This method needs to be operated on a relatively private computer. You need to know the website address every time you log in, and don't set a simple password. If the password is leaked, there is a risk that the account will be stolen.
3. Mobile banking repayment
Mobile banking repayment is the most used credit card repayment method for young partners at present. As long as you install the bank client on your mobile phone, you can easily repay with your fingers anytime and anywhere. Because credit card repayment belongs to fund transfer business, for the sake of fund security, it is necessary to open advanced mobile banking.
It should be noted that the mobile phone can be operated in various occasions, so we must pay attention to the protection of passwords and the custody of the mobile phone. Once the mobile phone is lost, it must be reported to the mobile operator immediately and the mobile banking service must be cancelled.
4, Alipay repayment
Alipay payment is familiar to people who love online shopping. Many people have become accustomed to this convenient payment method, and Alipay repayment is also listed as the first choice for credit card repayment. In addition, Alipay promises to repay the account within 2 hours, but it must meet three conditions: first, the repayment by mobile phone, second, the repayment amount is within 50,000 yuan, and third, the repayment time is within the banking service hours.
5. WeChat repayment
At present, there are two repayment methods for WeChat credit card, namely, switching to online banking or mobile banking for credit card repayment or talking to WeChat through the official bank account. It should be noted that WeChat can only repay the credit card directly through the bound savings card. In addition, there is no handling fee for using WeChat for repayment, with a single and daily limit of 20,000 yuan and a monthly limit of 50,000 yuan.
6. Credit card management APP online repayment
The advantage of using Kaniu credit card to manage online repayment of APP is that a mobile phone software can query the basic information of personal account, such as bill date, repayment due date, total amount payable in this period, minimum repayment amount and so on. -Repayment reminder-Support online repayment, which can be completed in just a few steps. You don't need to jump back and forth in the mobile phone interface to check the credit card arrears, and you need to remember carefully every time the bill has a decimal point, and then go to another software or platform to choose repayment.
7. Counter or ATM repayment
At present, this repayment method is rarely used, and it is generally used by elderly or conservative people. It should be noted that when an ATM machine uses another bank's debit card to transfer money to a credit card for repayment, the transfer amount is an integer multiple of 100, and the single transaction limit is the same as that of the existing transfer bank UnionPay ATM, with the maximum daily limit not exceeding 20,000 yuan, and the handling fee is deducted from the transfer card.
8, convenience store Lacarra repayment.
Lacarra repayment is a convenient credit card repayment service. At present, the number of convenient payment points in Lacarra has grown to nearly 90 cities, with more than 30,000. They can be found in convenience stores, supermarkets and community stores. There is a uniform charging standard for credit card repayment of Lakashou.com: at present, only China Bank (except Shenzhen), Agricultural Bank, Bank of Communications, Industrial and Commercial Bank of China, Bank of Beijing and China Construction Bank (the bank charges 2 yuan for credit card repayment free of charge), and other banks do not charge for the time being.
Installment repayment is more favorable
If the funds can't be turned over for a while, you can also consider repaying the arrears by installment. Although installment repayment does not generate interest, it has to pay a handling fee. The handling fee here is actually the "interest" charged by the bank in disguise.
At present, most banks provide cash installment business in three phases, six phases, 12 and 24 phases, and some banks also provide installments as short as 1 month and as long as 36 phases. As for the handling fee rate, the situation of each bank is different, but the overall difference is not big. Take 12 (i.e. 1 year) as an example, which is basically between 7.8% and 9% annualized. Take China Merchants Bank [-0.56% capital research report] as an example. Cardholders can apply for bill installment. The third installment fee is 2.6%, the sixth installment fee is 4.2%, and the 12 installment fee is 7.2%. The first repayment is charged in one lump sum.
This concludes the introduction of how to borrow bank credit cards and how to borrow ICBC credit cards. I wonder if you have found the information you need?