Credit cards can not only overdraw consumption, but also provide loans. However, it does not mean to apply for a loan from a bank with a credit card as a voucher. On the contrary, many banks offer credit card hidden benefits to high-quality cardholders. After a comprehensive evaluation of the cardholder, an additional cash installment limit is given, within which you can apply for a loan. Let's have a look.

Which banks can use credit cards for loans?

1, Agricultural Bank

Agricultural Bank of China has a credit card consumption reserve fund, which refers to the business that the cardholder applies to the Agricultural Bank of China for installment quota, and after the approval of the Agricultural Bank of China is successful, the consumption funds are transferred to the designated credit card, and the cardholder repays the principal in installments and pays a certain amount of installment fee. The minimum amount for a single application is 500 yuan, and the maximum amount is 300,000.

If you want to use the credit card of Agricultural Bank of China to handle the consumer reserve fund, the cardholder must be the host of the personal credit card, and the account status is normal, the credit status is good, and there is no outstanding overdraft debt in local and foreign currencies.

2. Industrial Bank

Industrial Bank has a loan business, which can also be regarded as a credit card loan. It is a one-time cash consumption limit provided by Industrial Bank for high-quality credit card holders that exceeds the fixed credit card limit. The minimum amount is 1 000 yuan, and the maximum amount is said to be 300,000 yuan, which is mainly based on the comprehensive evaluation of the credit status of the cardholder.

The business model and standard pricing of Xiang Xing Loan are completely consistent with the cash installment business of Industrial Credit Card, but the credit line is not shared with the credit card line.

3. China Merchants Bank

E-loan is a good credit card loan of China Merchants Bank, and it also belongs to cash installment. It was also awarded by the bank after a comprehensive evaluation of high-quality cardholders. Within the credit limit, you can apply for a loan many times, transfer the money to your debit card and repay it in installments.

You should hurry up when applying for e-loan. If there are preferential activities, the monthly preferential range is about 0.45%~0.6%, and the longest loan period can be 24 months, which is suitable for office workers with long capital cycle.