China Merchants Bank’s e-Smart Loan mainly recommends suitable credit card loan products to users. If you apply for e-loan, the system will independently generate an e-loan account, which may occupy your personal account during this period. Unused credit limit on a credit card account. What I applied for was an e-flash loan, which is a cash loan product and does not occupy the credit card limit.

Therefore, whether China Merchants Bank’s e-loan will occupy the credit card limit mainly depends on what type of product the user applies for.

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