Friends who have handled bank credit cards know that banks provide credit cards to their customers when they return credit cards, so it will be easier to review general credit card loans, because after all, they are confident in the bank. In addition, the credit card loan can not only increase your credit card's quota, but also lower the interest than the credit card loan. However, which one is better for credit card loans? We compared the credit card loan products of several banks.
1, universal fund of Shanghai Pudong Development Bank
Shanghai Pudong Development Bank can apply for universal fund by itself if it has a quota. The amount can be directly credited to the savings card, and you can choose the number of installments by yourself. There are many application methods, such as Alipay and WeChat. The monthly handling fee is around 300,000, and the highest can reach 300,000.
2. CITIC New Express and Dream Money
The new express line of CITIC Credit Card is actually a temporary credit line installment, which will be displayed on the credit line of the credit card after application. With the repayment, it will gradually return to the original credit line, and the installment fee will be around.
Dream grant is also an installment loan of CITIC, which just gives you a quota directly and sets the minimum installment amount and number of installments by yourself. In addition, the dream grant has a time limit, and it will be invalid if it is not used within the specified time.
Ping An Bank's reserve amount is directly credited to the credit card. The number of stages is set when applying, and the petty cash will be used automatically when using the card. The consumption details and bills are on the credit card bill, which is about the installment fee.
4. Bank of Communications enjoys loans.
The credit line of Bank of Communications is not related to the credit card line. After applying, you should add a line directly to your credit card. When signing a contract, you should set the initial transaction amount and the number of installments. When the consumption reaches the initial transaction amount, you will automatically use the credit line. Generally, the minimum amount is 1500 yuan.
5. China Merchants Bank Reserve Fund
The reserve fund of China Merchants Bank is also a credit card loan product, offering a minimum of 5,000 yuan and a maximum of 300,000 yuan. After the application is successful, it will be directly distributed to your credit card account, and the consumption details are also in the credit card bill.
Here are the credit loan products of five banks. As for which product is good, there are different opinions. You can choose according to your own needs.
Which bank has a good credit card loan?
Introduction of the top ten bank loan products:
I. Industrial and Commercial Bank of China
Product name: Rong e-loan
Interest rate: the annual interest rate is about 7.2%, which can be lower when there are preferential activities.
Line: 600,000-800,000, which is basically equal to the credit card line.
Duration: generally 2 years, up to 5 years. Support four repayment methods: matching principal and interest, average capital, paying interest on schedule and paying principal and interest in one lump sum, and support early repayment.
Second, China Construction Bank.
Product name: quick and easy loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: 1 year. One-time repayment of principal and interest.
Evaluation: It is necessary to have business dealings with CCB before granting credit, mortgage, wealth management and provident fund.
Three. agricultural bank
Product Name: Online Loan Link
Interest rate: the annual interest rate is about 5%.
Amount: up to 300,000 yuan.
Duration: 1 year. One-time repayment of principal and interest.
Evaluation: The application threshold is relatively high, but there is also a chance to make a quota. Small partners who have business dealings with ABC can try it.
4. Shanghai Pudong Development Bank
Product name: integral loan
Interest rate: annualized 6.3%.
Amount: up to 300,000 yuan.
Duration: 5 years. For those who have lived for more than 1 year, they can only choose the repayment method of monthly average principal or equal principal and interest.
Evaluation: However, only provident fund loans can be used, and not all cities are open.
Verb (short for verb) Bank of China.
Product name: E loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: 1 year. Pay interest on a monthly basis and repay the principal when due.
Evaluation: State-owned banks are hot products with high application threshold.
6. China CITIC Bank
Product name: Yuanmengjin
Interest rate: 9% per annum.
Amount: up to 300,000 yuan.
Duration: up to 3 years. Monthly repayment, equal principal and interest.
Evaluation: The threshold is not high. The credit cards of CITIC Bank can basically be applied for, and some of them will occupy the credit card quota.
7. China CITIC Bank
Product name: New Express
Interest rate: normal annualization is about 9%, and it drops to about 6.8% during preferential activities.
Amount: up to 300,000 yuan.
Duration: up to 3 years. Monthly repayment, equal principal and interest.
Evaluation: Some will occupy the credit card limit.
8. China Everbright Bank
Product name: provident fund loan
Interest rate: about 6% per year.
Amount: up to 300,000 yuan.
Duration: up to 3 years. There are two repayment methods: matching principal and interest, and paying interest once a month.
Evaluation: To have a provident fund, not all cities are open.
Nine, the postal bank
Product name: mail your loan.
Interest rate: annualized 14%.
Amount: up to 200,000 yuan.
Duration: 2 years at most. Equal principal and interest.
X. China Merchants Bank
Product name: e-rental treasure
Interest rate: annualized 18%, with a daily interest of 5,000.
Amount: up to 300,000 yuan. The limit is not recoverable.
Duration: 2 years at most. Equal principal and interest.
Which bank has a credit card (debit card) to apply for other loans?
China Construction Bank, Industrial and Commercial Bank of China and Bank of Communications all have credit cards (debit cards) to apply for other loans. These banks have different credit card (debit card) loan products. For example, the credit card (debit card) loan products of Bank of Communications are mainly good loans and angel loans. The minimum amount 1500 yuan does not conflict with the credit card (credit card). You can withdraw cash or spend it online. The longest repayment period you can apply for is 2 years, and you can choose to repay by installments, but the loan interest is higher than that of credit card (debit card). Borrowers can choose the appropriate credit card (debit card) for loans according to the credit card (debit card) in their hands.
Which bank credit cards (debit cards) are easy to handle and have high quotas?
Bank credit card (debit card) audit mainly depends on the applicant's credit situation. The better the credit conditions, the easier it is to apply for a credit card (credit card), and the higher the amount. If the applicants' credit conditions are the same, it is easy to choose the following bank credit cards (debit cards) with a higher amount:
1, ICBC credit card (debit card)
It is more suitable for people who have business dealings with ICBC and have assets in ICBC. Then, it is easy to apply for a card and the amount is high. The average card amount is about 40 thousand.
2. Agricultural Bank Credit Card (Debit Card)
If you have good credit and a stable source of income, you can apply for a credit card (debit card) of Agricultural Bank of China. Of course, your repayment ability and consumer demand have a great influence on your card approval amount, with an average card amount of 35,000.
3. China Everbright Bank Credit Card (Debit Card)
The threshold for applying for the card is low, but the amount is not low. The average amount of the card is around 30 thousand, so it is easier to increase the amount.
In addition, China Merchants Bank credit card (credit card), Bank of Communications credit card (credit card) and Industrial Bank credit card (credit card) are also good choices. It is recommended that you choose the bid card according to the rights and interests of the specific card.