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. Article 8 Civil subjects engaged in civil activities shall not violate laws or public order and good customs.

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 borrow a credit card loan

Step 1: Call the customer service phone of the bank credit card to find the manual service.

Step two:

1. Tell customer service that you want to handle the cash installment. Some banks have other names, such as Guangfa called "Financial Wisdom Gold" and Pudong called "Universal Gold".

2. Provide credit card information. The customer service will ask you four questions.

1), name and the last 3 digits on the back of the credit card;

2) Payment by cash installment;

3) Confirm cash installment repayment. You ask the customer service how many issues there are, what is the handling fee rate, let him help you calculate, and then you can calculate how many issues to return;

4) Provide a debit card in my name so that the applied cash installment funds can be transferred. It can be a debit card from other banks, but other bank cards will charge a handling fee;

Step 3: After being audited by the bank, wait for the funds to arrive. The account will arrive at the earliest, or within 2 hours if it is slow. At this point, the credit card loan is completed.

So much for the introduction of regular credit card loans.