What are the credit card loan platforms?

01

There are many credit card loan platforms, and some banks also provide credit card loan services. For example: Bank of Communications' Haoxiangdai, Haoxiandai and Haoshangdai, China Merchants Bank's e-Zhaodai, China Guangfa Bank's Caizhijin, Huaxia Bank's Yidajin, etc.

Credit cards can not only be used to overdraft purchases to purchase goods, but can also be used to apply for loans. There are many credit card loan platforms, and some banks also provide credit card loan services. For example: Bank of Communications' Haoxiangdai, Haoxiandai and Haoshangdai, China Merchants Bank's e-Zhaodai, China Guangfa Bank's Caizhijin, Huaxia Bank's Yidajin, etc.

Among them, Haoxiangdai is an exclusive automatic installment service provided to eligible cardholders. After the cardholder completes the contract, it will be used when the eligible transactions exceed the set starting amount. The Haoxiangdai credit limit will be automatically converted into Haoxiangdai installments based on the number of periods previously signed by the customer. Haoxiandai is an exclusive cash-based consumer credit service provided to high-quality principal cardholders. The successfully borrowed amount will be transferred to the cash account of Bank of Communications' Haoxiandai business. Customers can go to Pay Bill APP to handle cash withdrawals. Haoshangdai is also an automatic installment business customized for eligible cardholders. After signing the contract, customers can make purchases in designated industries (only supporting car purchases for the time being) or designated merchants (automotive/education/wedding/medical, etc.), and the consumption amount reaches the set amount. Once you set the starting amount, the transaction will be automatically amortized.

eZhao Loan is a short-term cash credit business provided by China Merchants Bank to qualified credit card holders with daily interest. After the customer's application is successful, China Merchants Bank will transfer the funds to the cardholder's valid card account opened with the bank or a debit card from another bank supported by the bank, and the funds obtained can be used for daily consumption. Caizhijin is a credit card service provided by Guangfa Bank to cardholders for overdraft transfer and installment repayment. After the customer's application is successful, Guangfa Bank will transfer the overdraft transfer to its designated domestic savings account of the same name. YiDaJin is a cash solution provided by Hua Xia Bank to qualified customers by combining credit card cash withdrawal and installment payment functions. Customers can automatically pay for installments, cash advances, etc. by swiping their cards within the credit limit of Yidajin.

What are the formal channels for applying for a credit card?

Using a credit card allows you to overdraw first and then repay the loan. Many friends like this consumption concept, so in 2017 more and more people want to Get a credit card. However, if you choose some irregular channels to apply for a card, it will cause endless troubles. Let me introduce to you the formal channels for applying for a card.

1. Bank counter or official website

As a card issuer, there must be no channel more formal than a bank. Whether you apply for a card at the counter or on the bank's official website, the confidentiality factor is very high. High, the security of incoming documents is also good, and there is basically no risk of customer information leakage.

However, there are some shortcomings in applying for a card at the bank counter. It is often necessary to provide complete information, including proof of identity, proof of employment, proof of financial resources, house and car book, and credit cards from other banks (card usage for 1 year or 6 months). (above), etc., the more complete the materials, the easier it will be to apply for the card, and the credit limit will be higher.

2. Third-party institutions authorized by banks

In addition, in addition to providing application channels, such websites can also provide cardholders with some credit card information. Apply for a card on such websites , you can browse the credit card information of multiple banks at the same time, without having to apply for each bank one by one.

3. Third-party payment platform

The bank also cooperates with third-party platforms such as WeChat and Alipay. This type of application channel is also very formal, has a high safety factor, and the card approval speed is very fast. quick.

For example, if you apply for a credit card from China Everbright or Minsheng Bank on Alipay, after filling out the application form and submitting it, the bank will authorize you to view your Zhima Credit Score and implement instant approval based on your Zhima Credit Score.

The above are the most common formal channels for applying for a credit card. No matter which channel you apply for a card through, you must choose the card type that is truly suitable for you based on your specific income and consumption, and do not pursue it blindly. Platinum card with high limit.

Generally, as long as you have a stable job and a good credit record, it is no problem to apply for a credit card by yourself.

Which platform is better for applying for a credit card?

Question 1: Which platform is better for applying for a credit card? For the sake of customer data security, it is recommended that you apply through the channels provided by the bank.

If you meet the application conditions for China Merchants Bank Credit Card, you can try to apply through the following methods: 1. Online application: Please open the official website of China Merchants Bank Credit Card, select the horizontal menu "Apply for Credit Card" - "New Customer Application", and select Choose the card type you like and follow the prompts; 2. Please bring your original identity certificate, work certificate and financial certificate documents to any branch of China Merchants Bank to apply in person. 3. You can add "China Merchants Bank Credit Card Center" as a friend through WeChat and click "I want to apply for a card" to apply. 4. Call the China Merchants Bank credit card customer service hotline, select "3#" in the voice message to apply for credit card consultation, then select "1" to transfer the service specialist to register for you, and notify the local staff to contact you to confirm the application. The result of credit card application shall be subject to actual review by China Merchants Bank.

Question 2: There is a credit card application platform. You can choose how much limit you want to apply for. Which platform is your personal information? You need to prepare the original ID card, income and employment certificate issued by the company, and the official seal or financial, labor and management. Stamp (you can ask the finance department to issue more for you), work badge, and tax payment certificate (you can go to the local tax bureau to get your ID card and print out the tax payment form yourself for the last one year)

Obtain the application form: You can obtain it directly at the bank's credit card center, download the application form yourself at the bank's credit card center, or fill out the application form directly online.

Supplementary conditions for large-amount credit processing:

1. Have a fixed telephone number in this city

2. Marry;

3 .Hukou in this city;

4. Housing;

5. Educational level;

6. Nature of work unit;

7 .Position situation

Attention when applying for a card

Situation one when applying for a large-amount credit card: You already have a credit card. If you already have one or more credit cards and have a good repayment record, you just need to note that a good consumer credit and repayment credit are the keys to applying for a large-limit credit card.

Situation 2 when applying for a large-amount credit card: The credit card has not been used. In this case, it may be difficult to apply for a credit card with a large limit. So what does the bank look at? Your various income and asset status determine whether to approve a card for you and the size of your credit limit. This is very simple. You can provide a weighty asset certificate, such as income certificate, house ownership certificate, mortgage purchase certificate, car ownership certificate, bank deposit certificate or securities certificate, etc. Secondly, your work unit, personal abilities, employment experience and other certificates that can prove your personal abilities will also help you obtain a large credit card, such as academic certificates, technical level certificates and other qualification certificates.

Question 3: I want to apply for a credit card online, what are the requirements? Which credit card platform is better? Can I ask you a few questions? Help you apply for a card?

Question 4: Which credit card is best to apply for online? Currently, there are two ways to apply for a credit card. The first is to apply at the bank business hall; bring your personal valid ID and relevant application materials (such as your workplace pay slip, etc.); the second is to apply through online banking. The general steps are: 1. Log in to the bank credit card application page and select the type of credit card you want to apply for; 2. Enter your name, ID number, mobile phone number, email address and other information; 3. Download and print the application form, fill it out and include your identity. Mail a copy of the credit card and application supporting documents to the designated mailbox of the bank's credit card division; 4. Wait for the bank's review. During this period, you can check the review progress of online credit card processing online. Generally, if you have any questions, you should call the bank to check in time. But if consumers are clear about the various procedures and precautions for applying for a bank credit card, have complete application information, and have good personal credit, they don’t need to worry about which bank’s credit card is the best to apply for, because you will find credit cards from all banks. It’s easy to apply. Among all application conditions, personal credit is very critical. Because each bank can view your personal credit record through its internal information sharing system. Therefore, whether you use a credit card, pay utility bills, etc., you should ensure timely payment and repayment. In order to prevent problems such as overdue repayment and loss of personal credit, consumers are advised to log in to the WoAiCard website and apply for various credit cards through WoAiCard.

Question 5: What are the formal online credit card application platforms across the country? There are several formal aggregation platforms, which collect official credit cards from various banks and classify credit card categories, so that users can apply conveniently and accurately, and improve the card application rate, such as credit community apps, etc.

Question 6: Which platform is free and easy to apply for a credit card online? It is not recommended that the poster applies for a credit card online. There is a certain risk of information leakage when applying for a credit card online, so it is not necessary. Applying for a credit card is now very simple. Just call the bank and say you want to apply for a credit card, and a salesperson will naturally contact you.

Question 7: Which is better to apply for a credit card at a branch or online? Hello, if you apply for a China Merchants Bank credit card, different channels will not affect the application result.

If you have never held a China Merchants Bank credit card, there is a China Merchants Bank in your local area, and you want to apply for a credit card now, you can apply in the following 4 ways (without any handling fee):

1. Please You log in to the credit card website cc.cmbchina/, select "Credit Card Application" - "New Customer Application Channel", apply through the "Easy Appointment, Door-to-Door Application" online banking application appointment platform, fill in simple appointment information online, and wait for bank review. If approved, A specialist will contact you by phone to confirm that they will come to your door. If you want to apply in this way, please first confirm whether our bank can provide free appointment for door-to-door processing in your area (the results will be displayed after selecting the province/city/district);

2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate documents. Regarding the distribution of our bank's counters, map.cmbchina, please click: China Merchants Bank branch map, then select the city, and then check the branch information. 3. You can make an appointment to apply for a card via mobile phone. If you pass the preliminary review, a dedicated person will come to your workplace to apply for the card.

Click to make an appointment now at ccclub.cmbchina/...30331C4. You can also call the customer service hotline and select 3#-1 in the voicemail to transfer the specialist to register for you and notify our local staff to contact you. Confirm the application.

Question 8: When applying for a credit card, which department is best to fill in? Recommended to fill in: General Affairs (General Manager, Vice President), Finance Department, Administration Department, Purchasing Department.

Recommendation reason: The income of these departments is relatively high and stable. The most important thing is stability. It is best for banks to have stable income. (For example, some business owners did not apply for a card, but the following employees applied for a card. The reason is that the employees' income is stable, but the boss's income is unstable. There are profits, but there are also losses and losses.)

Departments not recommended: production department, sales department, marketing department, business department, investment department, etc.

Reason for not recommending: The income of the production department is relatively low and unstable. The income of the sales department and business department is even more unstable. It mainly depends on commission, which is sometimes more and sometimes less.

Question 9: Which bank is better for applying for a credit card for the first time? For transportation, I feel like it was relatively easy to apply for in the past, but maybe it’s stricter now.

Go to whichever bank your salary is paid by. It will have the highest success rate. You can also try China Merchants Bank.

Is there any easy-to-use credit card application platform?

The official websites of major banks are good, and you can choose to apply according to your personal needs. Each major bank will have a dedicated credit card application platform on its official website. Applicants can fill in the information directly online and then send it to the bank's credit card center immediately for review. Only after the review is passed, they need to go to the bank for an interview. This method is more suitable for people who already have credit cards and people who have worked for a long time. Bank Branch Application: Traditional Security. Applicants should bring relevant information and go to a bank branch to submit. This method is more secure than online application. If you want to apply for a high amount, you can choose this traditional method. The submitted information is more comprehensive and the chance of passing the review is greater, but it is relatively troublesome.

Mobile phone model: Apple 12 Bank of China 5.7

Bank staff visit: skip the interview, contact the credit card center staff through the bank customer service hotline, express your intention to apply for the card, and arrange for a salesperson to come to do it The time and place of the card. This method is suitable for people who are busy at work and have no idle time. However, it may not be efficient to apply for a card and you have to wait for the salesperson to come to your door. Third-party agencies: There is a lot of choice.

The Internet financial market is gradually expanding, and many third-party card application platforms that cooperate with banks have emerged. Their security is similar to that of the bank's official website. No fees are charged during the entire process. Click on the entrance to jump directly to the bank's official website. This requires the card applicant to be able to identify the authenticity of the website.

1. Credit card application can be processed offline or online. You can usually apply for a card offline at a bank branch. There are many channels for applying for a card online, so you have to choose formal channels, otherwise you may Scammed information may even lead to financial losses. One is the bank’s official website channel, and the other is the third-party channel. Bank's official website channel: This is easier to find. Search the name of the bank where you want to apply for a credit card directly online, click on the search results to enter the official website, and then directly select the credit card you want to apply for on the official website, click the link and fill in the card application information; or go to the official website Scan the QR code to follow the bank's WeChat official account, or download the bank's online banking to apply for a card. Although the methods are similar, the links are the same.

2. Third-party channels: One is our most commonly used third-party payment platforms, such as WeChat, Alipay, Meituan, JD.com, etc., which can provide online card services; the other is said to be with banks Cooperating with third-party websites, you can get gifts or cash back when you apply for a card. Although it is more attractive, it is difficult to guarantee that there will not be phishing websites trying to mislead, so you have to distinguish the formality. ,, In fact, it is relatively easy to judge, because banks are responsible for approving cards, so the card application links are provided by banks. Just open the card application page of any bank channel and compare the information to be filled in to apply for the card. In particular, check whether the page has filled in bank, password, etc. If it is very likely to be a phishing website, just close the page.

Excuse me: Is there a reliable credit card application platform?

You must apply for a card through formal channels. Don’t believe those who apply for a card through informal channels. Most of them are scams. We recommend the following 5 ways to apply for a personal credit card: 1. Make an appointment through the bank phone, and the staff will come to handle it. 2. Bring the original ID card, work certificate, financial certificate and other materials to the bank branch for processing. 3. Online banking. 4. Handle mobile banking. 5. Use the bank’s official WeChat public account.

1. Channels for applying for personal credit cards

1. Make an appointment by phone and come to your door. Call the bank's credit card customer service hotline, and according to the voice prompts, the service specialist will be transferred to register. Bank staff will come to your door on time to conduct one-on-one processing. There are complete card types available, and you can get answers to any questions you have on the spot.

2. Handle at outlets. Bring your original ID card, work certificate, financial certificate and other materials to the bank branch to apply.

3. Online banking. Log in to online banking, enter the credit card application section, fill in personal information and apply for a card.

4. Mobile banking. Download and log in to mobile banking, select the credit card section, and apply for a credit card. The choice of card types may be limited when applying for a credit card through mobile banking of some banks.

5. Handle via WeChat public account. If the bank has opened a WeChat official account, you can search and follow the bank's WeChat official account, enter your credit card to apply, fill in the appointment application information and wait for manual customer service verification.

2. Credit card

Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the bill date.

Credit cards can be divided into: credit cards and debit cards according to whether they have consumer credit functions; they can be divided into: credit cards and quasi-credit cards according to whether a reserve fund is paid; according to the objects used, they can be divided into: Personal cards and corporate cards; according to credit level, they can be divided into: platinum card, gold card and ordinary card.

Special attention should be paid to the fact that card application must be done through formal channels, which is safe, reliable and free of charge. Don’t believe anyone who applies for a card through informal channels. Most of them are scammers. Not only will the card not be issued, but you will also lose money and your personal information will be leaked. The gain outweighs the loss.

That’s it for the introduction of the credit card application platform.