Can I get a loan with the credit card I just opened?

The credit card (debit card) you just opened can be used for loans. The card-issuing bank has launched related loan services for credit cards (debit cards). As long as the user has a credit card (debit card), he or she can apply. For example, a user applies for a credit card (debit card) to purchase a car in installments and applies for a new credit card (debit card). Although the credit card (credit card) has no repayment record and consumption record, the user can still apply for the installment purchase of a car. .

Of course, the bank will provide a loan amount based on the user's credit situation, and everyone's loan amount is different. Can I get a loan with a credit card?

Yes.

First of all, you must determine the conditions for applying for a loan. The lender must have a good personal credit profile and have a stable income to pay for the loan. If these conditions are met, the loan is generally available. What a coincidence, applying for a credit card also requires these conditions, which are sufficient and necessary conditions.

So, with a credit card, you can usually get a loan. Let’s learn more about what a credit card loan is. Credit card loan refers to the overdraft function granted by the bank to the cardholder within a certain limit, which converts the consumer loan function of the credit card into an unsecured small loan. It is actually a credit card transfer loan business. After the credit card application is approved, the bank will transfer part or all of the amount in the credit card to the debit card and repay it according to the repayment period previously agreed with the bank.

Extended information

At present, the review of using credit cards to apply for loans is not particularly strict. As long as the personal credit record is good, you can generally apply for a loan with a credit card. The specific loan amount will vary according to the personal financial information you submit when applying for a credit card. Generally, you can get a loan of around 5,000 to 20,000 yuan.

The last thing that needs attention is the repayment issue after using a credit card loan, that is, how much does it need to be repaid after the loan is completed? How much is the interest? This issue is of great concern to everyone. Generally, credit card loans are more suitable for short-term loans to solve the temporary capital turnover difficulties on hand. They are not suitable for long-term loans because the interest rates are too high.

Reference materials; Baidu Encyclopedia-Credit Card Loan I just applied for a credit card, can I apply for a loan immediately?

Yes.

The "Interim Measures for the Management of Personal Loans" have corresponding provisions:

Article 11: Personal loan applications should meet the following conditions:

(1) ) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) ) The loan application amount, term and currency are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower’s credit status is good and there are no major Bad credit record;

(6) Other conditions required by the lender.

Extended information:?

Relevant legal provisions of the "Interim Measures for the Management of Personal Loans":

Article 34: If the borrower pays by himself, the loan The lender should agree in advance with the borrower in the loan contract to require the borrower to regularly report or inform the lender about the payment of loan funds.

In terms of the purpose of the loan, it is emphasized that loans without designated purposes are not allowed, and loan funds are managed and controlled clearly through the lender's entrusted payment or the borrower's independent payment, without targeting specific types of personal loan business. Apply to set additional conditions.

Article 35: Lenders should establish an effective full-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, clarify the corresponding loan objects and scope, and implement differential risk management , establish an assessment and accountability mechanism for each link of loan operations. Can I get a loan with my new ICBC credit card (debit card)?

New ICBC credit cards (debit cards) can be used for loans. You can apply for a loan with an ICBC credit card (debit card). ICBC's e-Loan is a credit card (debit card) loan product that is unsecured, unsecured and purely credit-based. The maximum amount applied for is 200,000 yuan, and the maximum loan period is 2 years. Generally, as long as the user is over 18 years old, has a stable job and income, and has no bad credit record, he or she can apply for a loan on the ICBC mobile APP.

Warm reminder, loans made with credit cards (debit cards) can only be paid in installments, and the ICBC e-loan limit is exclusive to credit cards (debit cards).