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.
The loan behind the bank credit card
① Guangfa Finance can operate up to 300,000 yuan.
② Pufa Universal Fund can operate up to 300,000 yuan.
(3) The maximum operating capacity of transportation loan is 6.5438+0.5 million.
(4) The dream fund of CITIC New Express Line can operate up to 500,000 yuan.
⑤ Everbright can operate up to 300,000.
⑥ Minsheng Baotong Card can operate up to 654.38+00,000.
These are all loans that can be operated behind a well-used credit card. To establish a reserve fund, there is interest when it is used, but there is no interest. First of all, talk about the characteristics of bank loans:
▲ Basic banks with high quotas will have an average quota of tens of thousands.
▲ The interest rate is low. The bank's interest rate is relatively low, which can help customers to cycle loans.
One: ICBC loans, ICBC easy loans and financing e loans.
At present, ICBC's latest commercial fast loan was analyzed only two days ago, and it can be loaned up to 5 million yuan with a business license;
ICBC Consumer Loan, ICBC Easy Loan, Rong E Loan, etc. ICBC's easy loan is particularly troublesome. You have to have online consumer wages, online banking or mobile online banking.
Two: CCB credit loans
CCB Express Loan: One * * * has three products, namely Express E-loan, Financing E-loan and Pledged Loan.
People applying for loans: the people allowed to enter should be CCB customers;
Loan amount: the loan amount for ordinary customers is between 65,438+0,000-50,000 yuan, and the maximum loan amount for financial and private customers can reach 500,000 yuan.
Loan term: maximum 1 year, which can be recycled.
Loan interest rate: the annual interest rate is about 5.6%.
Features: interest is charged according to the actual number of days spent, and interest is not charged if it is not spent.
China Construction Bank Longka Loan Bar: newly launched products, credit line and credit card line enjoy * * *; The first batch of credit card users are 5000-20000.
Ccb cloud tax loan: for products of micro-enterprises, the maximum amount is 2 million yuan, and the term is 1 year. Small and micro enterprises or individual industrial and commercial enterprises or business owners have good credit, and there is no record of overdue and arrears of interest. Honest taxpayers can apply.
Small and micro fast loans of CCB: the interest is 4.8, with a maximum of 5 million a year. If there is an enterprise account of CCB, the credit records of the business owners and enterprises are good, the daily transactions of enterprises are good, and the cooperative relationship with CCB is good; This, like personal fast loans, is evaluated by the banking system. If there is, there isn't.
Three: China Agricultural Bank Credit Loan
① Agricultural Bank of China's online loan: mortgage a second loan, with a maximum of 3 million yuan and a maximum of 60 months. Only customers can be invited to apply. Loan repayment is limited to about 2 years, and applying for KBao ABC credit currency is conducive to increasing the amount.
Reasons for rejecting the approval of ABC's online loan: The approval of ABC's online loan is determined according to the comprehensive evaluation of the loan applicant, and the comprehensive scoring factors of the bank include:
1, credit
2. Income from assets
3. Liabilities (expenditures)
4. Family structure
5. Social status (including whether work belongs to work or legal person)
If one or the comprehensive score is too low, then the application for online loan of ABC will be rejected.
(2) China Agricultural Bank credit currency cracking method:
1. Download ABC Pocket Bank.
2. Operating steps: Click Credit Card-Credit Currency to withdraw cash to Alipay.
3. Attention mode: maximum amount1w. If you have a credit card, this amount will be shared with your credit card amount. It is best to have an intersection with the Agricultural Bank of China, such as the punching salary of the Agricultural Bank of China, the running water, or the mortgage of the Agricultural Bank of China; It is recommended that you have a savings card of Agricultural Bank of China before withdrawing cash, and it is best to leave 2,000-4,000 yuan in the balance treasure.
4. What if ABC fails to withdraw Alipay?
If your recent credit inquiry is overdue, the sesame score will decrease, and your spending, borrowing and withdrawing overdue will affect the money to Alipay account. So I suggest you use ABC's punch card, or ABC's easier savings card.
Four: traffic credit loans
Enjoy loans, angel loans, good cash loans, etc. , and the next payment amount is as high as 1.5 million, and the savings card user accesses the Bank of Communications app；; Credit card channel "Bank of Communications pays by credit card"
Five: Postal Bank Credit Loan
China postal consumption finance-China postal wallet
1. Apply in the email wallet in the app.
2. In China Post's consumer finance, Alipay-Life Number adds this window.
Download the email you spent in your email wallet in the app.
Sesame score 620 can be applied.
Don't get into high debt.
The intransitive verb CITIC Bank Credit Loan
Easy loan, quick money, second loan.
New Express Line of Dream Fulfillment: Quality customers will get a new cash after 3-5 days, and the amount will not be enjoyed; It is not a high-quality customer who goes out of the new express line, but also enjoys the quota with dream money; Generally, if the credit card limit is lower than 1w, it will be issued for at least 6 months, and it will be issued for about 30,000 quality customers in 2 months.
Seven: Everbright Bank Credit Loan
Everbright instant loan and casual loan
Everbright savings card, you can do a sunshine token, log in to Everbright mobile banking, and have a free loan, which can be approved or rejected every second.
Eight: China Merchants Bank loan
The investment reserve fund is 300,000 yuan, the E loan is 300,000 yuan, the maximum installment of automobiles is 654.38+0.5 million yuan, and the lightning loan is 500,000 yuan. Looking forward to recruiting 300 thousand.
1, the website directly applies for loans online.
2. Credit card customers go to the app to apply for cash installment of China Merchants e-loan.
3. Merchants' Recruitment Finance-concessional loans
Nine: Ping An Credit Loan
Ping An I Loan, Ping An Consumer Reserve Fund and Oxygen Loan
On the same day, the loan was fast and the amount was high. At that time, it was a popular loan for many intermediaries with low threshold. /kloc-people over 0/8 years old are willing to borrow it! No materials, no doors.
Ten: Credit Loan of Guangfa Bank
Financial information:
Generally speaking, it can be 3 to 5 times the original amount of the card.
Information: Customer's ID number and password inquiry.
Operation: When the guest information is ready, directly ask if there are any places. If there is a quota, call customer service directly and transfer the money from the wealth management fund directly to the savings card. This financial fund can be recycled. For more information, please refer to the following instructions:
For those with wealth management funds: first transfer to the savings card, and then save money for this customer or the customer himself, and then installment. After staging, call the customer service the next day and ask him to reapply for financial management funds. Under normal circumstances, as long as you have been divided into stages, you will definitely have wealth management funds (Guangfa likes customer division).
E-second loan:
This small loan product of Guangfa Bank is launched according to the revolving credit model, and you can get a five-year revolving credit line once you apply.
Loan amount: 50-300,000 yuan.
Loan interest rate: around 8.3%.
Suitable applicants: wage earners and private owners.
Interest calculation method: daily interest calculation, no interest calculation without withdrawal.
Guangfa excellent east line, free loan
XI: Industrial Bank Credit Loan
Method 1: billing single-day operation method
The operation time is three days after the repayment purpose and three days before the bill date, and the operation period is five days.
Operating rules: The account cannot have any installment payment. Early settlement by installments is in progress. Card cannot be negative, and there must be a balance. The repayment amount must be twice the amount of this card. After consumption, the amount of this card will be used in installments (Xingye strictly stipulates that only the amount of this card can be used in installments) and bound to the Industrial Savings Card. Repayment must be made with my Industrial Savings Card and recorded in the early morning of the next day. In the morning, customers need money immediately when they go to work. Be sure to remember the term: "the money you paid for me is returned to the original account, and I need the money urgently." It must arrive in three days. Just wait for the news.
Method 2: Industrial financial card loan technology
First of all, you should have a credit card of Xingye Caitong Card, and then go to the bank counter to open a savings card binding. Then go to the counter to sign the simple loan agreement of Xingyetong. Three hours after signing the agreement, log on to the online banking to check the simple loan amount of Xingyetong to see how much it costs. Then use the special machine of Industrial Bank and the operation method of ICBC Easy Loan to brush out the quota.
It is said that some people can achieve a minimum of 400,000 and a maximum of 1.2 million.
Twelve: Shanghai Pudong Development Bank Credit Loan
Pufa Store Red Loan, Pufa Green Loan, Pufa Integral Loan and Pufa Dream Gold.
Puyin integral loan:
Loan amount: 20-300,000 yuan.
Loan term: the longest 1 year.
Loan interest rate: the annual interest rate is about 8.28%.
Features: repayment can be made in advance without any charge.
XIII: Huaxia Bank Credit Loan
Kouzi Name: Yi Dajin
Intermediary advertisement: Huaxia Bank's latest consumer loan will arrive on the same day as soon as possible.
Note: You can try to hold Huaxia Bank credit card and be a quality customer.
Fourteen: China Merchants Bank-lightning loan
"Lightning Loan" is a mobile Internet loan product launched by China Merchants Bank, featuring one-stop application and fast payment. Users can check the loan amount granted by China Merchants Bank through mobile banking, and the fastest arrival time is within 60 seconds.
People applying for loans: Only customers who have been granted credit by China Merchants Bank are eligible to apply, otherwise they cannot apply for such loans.
Loan amount: the amount of personal payroll customers is less than 300,000 yuan, and the credit amount of business owners is generally less than 200,000 yuan.
Loan term: individual customers are divided into 1 year and 2 years; Business owners are divided into 1 month, 2 months, 1 year.
Loan interest rate: the loan interest rate for individual customers of lightning loans is within 4.2 ‰ per day, the annual interest rate is about 15. 12%, and the loan interest rate for business owners is between 4.2 ‰ and 4.8 ‰.
Features: The first one can apply for a loan at the bank's mobile phone client. The loan approval time is short, there is no mortgage and no materials. The mobile phone bank directly completes the loan application, and the funds arrive within 60 seconds after the approval.
In addition, the lightning loan also has the function of "pay as you go", which can be repaid in advance at any time through self-service channels such as China Merchants Bank's mobile banking and personal online banking.
Fifteen. Bank of China Easy Loan
E-loan is a personal online consumer loan method launched by Bank of China, which is flexible in online application, quick approval, online withdrawal and repayment. This product is a credit consumption loan for China Bank to provide high-quality customers with full-process online services by using the Internet and big data technology.
Applicant: Special guest of China Bank.
Loan amount: minimum 5,000 yuan and maximum 300,000 yuan.
Loan term: the validity period is 12 months, and the borrower can use the line repeatedly within the line term.
Loan interest: adjusted according to personal qualifications and loan benchmark interest rate, generally the daily interest rate is 0.02% and the annualized loan interest rate is 7.2%.
The loan shall bear interest on a daily basis according to the actual days of use.
How to apply for a credit card loan?
1. Call the bank to apply.
Remember, never say that you want to get a credit card loan at the beginning. Remember the term "cash installment". Some banks have other names, such as "Sample Red" of Guangfa Bank and "Wanjin" of Shanghai Pudong Development Bank. Anyway, if I don't know, I will handle the cash installment.
2. Provide credit card information.
Customer service will ask you three questions:
1, name, last 3 digits on the back of the credit card.
2. Use cash installment. As long as the answer is for re-education.
3. Confirm several cash repayments. You ask the customer service how many installments there are and what the handling fee rate is, and ask him to help you calculate, and then you can calculate the repayment in several installments.
What should banks do:
1, review your information. Whether the information you provide is accurate or not needs to be confirmed by yourself.
2. Review how much you can bear. According to the daily card usage, credit card limit and repayment of the applicant. The credit card is in good condition and the repayment is in good condition. The higher the amount, the higher the cash installment amount that can be handled.
After the final approval is successful, you provide a debit card account number, preferably the debit card of the credit card issuer. If it is a debit card from another bank, the handling fee will be deducted.
Let's talk about how to open the loan behind the credit card.