Now, almost every young person will apply for a 1-2 credit card. Some friends want to borrow money by credit card when they need money badly. Today, I would like to introduce to these friends how to get a credit card loan from China CITIC Bank, hoping to help you.
Want to know more about "CITIC Bank Loan", please click on the wonderful topic and update the most comprehensive hot information in the industry from time to time! There are two ways to use credit card loans of CITIC Bank: direct cash withdrawal and application for cash loans. Today I mainly talk about how to apply for a cash loan. For new credit card customers of China CITIC Bank, the steps for everyone to borrow money are as follows: 1. Fill in the credit card application materials online through CITIC Bank credit card; 2. Generally, it only takes 1 day to wait for the information approval of CITIC Bank; 3. After being approved, go to the outlet of CITIC Bank to verify the identity; 4. CITIC Bank credit card customer service calls to inform everyone to withdraw money, and the funds will arrive immediately. Tip: The minimum monthly handling fee for this product is 0.77%, which can be returned in 6 months, 12 months, 24 months and 36 months. The withdrawal is valid for 40 days from the date of authentication. For the old customers of CITIC Bank's credit card, the steps of everyone's loan are as follows: 1. Pay attention to the official account of CITIC Bank credit card WeChat or download the dynamic card space APP2. After logging into your account, find the "I want cash" option under the official account of WeChat or the "loan installment" option directly above the dynamic card space APP; 3. Click to enter and fill in the loan information. Tip: The loan interest rate of cash installment is 0.026% per day, the longest loan term is 36, and the shortest loan term is 1. Online all the time, without the most authoritative loan knowledge of mortgage guarantee specialty. Click to view details.
2. How does CITIC Bank credit card open loan service?
You can borrow half of your credit card limit. If you want more loan services, you can try to contact customer service to see if you encounter other loan businesses under CITIC Bank.
Third, how to get a loan from China CITIC Bank.
Loan application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
4. Does the minimum credit card repayment of CITIC Bank have an impact on credit reporting?
The minimum repayment of CITIC Credit Card has no effect.
The cardholder applies for the minimum repayment date of CITIC Bank's credit card and pays off all the arrears and interest as scheduled.
If the cardholder pays the minimum repayment amount, but fails to repay the remaining unpaid part, it will form a record of overdue repayment, which will generally form a credit stain on personal credit information, and then affect the credit card and loan of the letter.
CITIC Bank's credit card has always been used to better serve the masses.
Many people who have used credit cards know that they can be used in domestic shopping malls and supermarkets, and even in some foreign consumer places. Credit cards have greatly facilitated ordinary people and made banks gain more profits from them.
CITIC Bank Credit Card However, when using CITIC Bank's credit card, we need to pay attention to several issues:
First of all, we should develop good consumption habits and avoid the lack of thrift system. Credit cards are used because they are used for cash and bank cards on some occasions. CITIC Bank credit card has a certain amount, and the amount of ordinary high-quality customers will be higher accordingly.
The other is to pay back the money on time when needed. Paying back money on time is the embodiment of a person's sense of responsibility. If the cardholder can't guarantee timely repayment, it is best not to use a credit card.
CITIC Platinum Card will be charged an annual fee after upgrading from Puka to Platinum Card, and it can't be offset by points, and now, whether you open a card (Platinum Card) or not.
CITIC Bank Credit Card Center is a professional credit card management business department established by CITIC Bank Head Office in Shenzhen.
CITIC can provide loans to all walks of life, and personal credit loans account for a large proportion in CITIC Bank's loan business. In many cases, holders of personal credit loans can apply for interest-free points when the current bill amount reaches above 800 yuan.
However, consumers who have spent money in shopping malls and made a single installment cannot use the bank's request for re-installment payment.
In addition, it should be noted that the cardholder of CITIC Bank's credit card can only apply within three working days after the bill date and before the repayment date.
If an individual wants to use the payment method after installment, he can't change it again when determining the score. This needs attention. In addition, we must repay the loan in time.