Question 1: How to get a loan with a credit card? Which credit card are you using?

Question 2: How to get a credit card loan of RMB 100,000? Some banks have credit card loan business, but the prerequisite is that they are qualified customers. If your conditions are not good, your card usage records are not good, and there are overdue What, don’t say 100,000, I guess you won’t be able to get a loan.

Question 3: I want to use a China Construction Bank credit card to get a loan of 10,000. How do I calculate the loan for one year? Credit cards do not have a loan function. However, China Construction Bank currently has a large-scale special installment business for car purchases and home decoration. On the basis of the original credit card limit, it will give a special installment limit for customers to buy cars or home decoration. However, there is no way to deal with this limit. What can be taken out can only be used in installments by swiping the card at its designated cooperative merchants. For detailed business introduction, the author can go to CCB's credit card website for a general understanding. In addition, there are many factors that the bank will refer to as to whether it can be approved specifically, and it needs to be subject to the approval results of China Construction Bank, which cannot be predicted for the time being. If the poster needs cash, he also has a business called cash installment, but the amount must be within the credit card limit. Let me give you a detailed introduction to the poster: Cash installment: You can receive a sum of cash from your credit limit and transfer it to your savings card at China Construction Bank. You can withdraw it from the savings card and use it, and then pay it back to the bank every month. The advantage of this business is that it is not restricted by POS machines and can be used for cash transactions. Processing time: no specific limit Processing amount: starting from 500 yuan, must be an integral multiple of 100 yuan, the maximum does not exceed the available limit of your credit card (not counting overpayments and temporary limits), the total amount does not exceed 50,000 yuan Processing channels: others Home credit card homepage, cash installment business introduction page, CCB outlets, CCB self-service equipment, CCB installment dedicated line voice system installment fees: I took a screenshot of the official website for the poster below, the poster can take a look:

June 2016 There is a 30% discount before the 30th. For example: apply for a cash installment of 10,000 yuan, and select 12 installments. The principal of each installment = 10000/12 = 833.33 yuan, the installment handling fee = 10000*0.53% (the discounted rate for 12 periods is 0.53% per month) = 53, the total *** handling fee for 12 periods = 53*12= 636 yuan, each installment repayment = 833.33 + 636 = 1469.33 yuan. If the poster has other questions, you can ask.

Question 4: How to apply for a credit card loan. If it is a China Merchants Bank credit card, you can log in to the mobile life client and try to apply for cash installments, e-loans, reserve funds, etc. Please refer to the audit results for the specific amount and fees.

Question 5: Can I apply for a loan with a credit card? You can apply at a local bank.

Small loan application conditions:

1. Be a resident of mainland China who is over 18 years old;

2. Have a stable address and work or business location ;

3. Have a stable source of income;

4. No bad credit record, and the loan cannot be used for stock trading, gambling, etc.

5. Other conditions required by the bank.

Small loan application process:

1. Submit an application to the local bank or lending institution;

2. Prepare various materials required for the loan; < /p>

3. Interview with a bank or lending institution;

4. The bank will review the lender’s qualifications;

5. The review will be approved and the loan will be granted successfully.

Question 6: How much can you borrow at one time when applying for a credit card loan? Credit card loans are actually credit card installment business, and the amount depends on your credit card limit.

Agricultural Bank of China credit card small loans are divided into three situations. The first is to swipe the card during the interest-free period, the second is to withdraw cash, and the third is cash installment.

1. Credit card consumption first and then repayment, this is micro-credit.

The most important function of a credit card is the overdraft function. It determines a credit limit based on the applicant's credit situation, and the applicant can overdraft consumption within this limit.

For example, if your repayment date is the 12th of each month, then your consumption before the 12th can be repaid before the 30th of the last repayment day of the month; if you consume after the 12th, the repayment will be at the end of the next month. Yes, you can get more interest-free time. For example: Spend 50,000 yuan and enjoy the longest 50-day interest-free period. Based on the current short-term loan interest rate of 5.6%, you can save about 400 yuan in interest in just one interest-free period. In other words, if you have money and use your credit card for consumption, you can use your own money to invest and make money. Of course, you can also pay in installments using a credit card.

2. Credit card cash withdrawal and small loan.

However, withdrawing cash with a credit card will charge a higher interest rate on a daily basis (five ten thousandths per day), and there is also a certain limit for withdrawing cash every day. Cash withdrawals by credit card are limited to when you have an emergency need for cash and can repay it in the short term. Otherwise, the interest generated by credit card cash withdrawals will compound over time.

3. Credit card cash installment small loan.

Credit card cash installment is through application. The bank will send the money to your bank card, and you must return it in installments, and a handling fee will be charged for each installment. The cash installment limit is generally more than 50,000, and can reach up to more than 200,000, but it is not easy to apply for it. Generally, only customers with good credit and the habit of frequent credit card swiping can apply.

Question 7: How much can be borrowed for a general credit card loan? Credit cards and loans are two different things.

Question 8: What are the requirements for a credit card loan? First of all, you need to understand that loans and credit cards are separate matters. Although they are essentially the same, they are all borrowing money from banks.

A loan is to borrow a certain amount of cash directly from the bank. Repay according to the interest rate and loan period specified by the bank. After the loan is successful, you can directly withdraw cash to do what you want to do.

Loans generally require strict requirements, usually requiring proof of work, property, and other documents as well as certain collateral, such as cars, houses, large deposit certificates, and one or more guarantors who meet the bank's requirements. Guarantee (for example, the requirement for the first guarantor of a Postal Bank loan is that he must be a formal employee of a state-owned enterprise or institution to be qualified for guarantee, and the result can only be issued after the bank has reviewed it.

Some banks have also launched unsecured loans. It is an unsecured small-amount loan, but it also requires you to submit proof of employment and financial resources.

This is more like a credit card/

A credit card is the same as a small-amount unsecured loan. Secured loan. But the purpose of issuing a credit card is to withdraw cash within a certain amount. For example, if you apply for a credit card from a certain bank, the bank will mail you the credit card and you will open the card after receiving it. If your card limit is 10,000. So many banks stipulate that you can only withdraw 5,000 from the bank, and you must use your card to spend the other 5,000, that is, to buy things with your card (because this has given rise to many credit card cash-out companies. Just go to them and swipe your card for 5,000. They will give you 5,000. You pay them a certain handling fee. In this way, you don’t actually use the card to buy anything)

It was very simple to apply for a credit card a few years ago. Although it has become a little more difficult now, it is still very simple. You can go to a bank branch, or find a staff member who specializes in credit card processing, or go to the website to apply.

But in the past few years, just an ID card and a business card were enough to apply.

Applying for the card is one thing, but whether it can be approved is another matter.

Generally, this is the most important thing in approving the card. >

According to what you are talking about, working in a private enterprise is probably not easy to get approved.

Banks like *** departments, civil servants, teachers, doctors, large state-owned enterprises, listed companies, and celebrities. Not everyone is eligible to apply for a credit card. Of course, because of this, many people use false employment certificates to fraudulently apply for a credit card.

In addition, even if the application is approved, There is also the question of the limit, which is how much the bank will lend you. If the company is good, the limit will be higher, usually between 10,000 and 30,000. There is also a better one, the platinum card.

Diamond cards, etc., each card has a limit of several million. China Merchants Bank has also launched an unlimited card, but there is no maximum limit. You can use it however you want, and you can also use it to fly a plane. Travel the world with one card. But this is something only Li Ka-shing or a billionaire can qualify for.

The minimum limit of a credit card is 10 yuan or even 0.01 yuan. Industrial and Commercial Bank of China has a 10-yuan pig card, and CITIC’s blue card is 0.01 yuan. Such a card must be used correctly for a long time to slowly increase the limit.

In short, the average person’s credit limit is between 3,000 and 10,000/

Therefore, many people apply for credit cards from multiple banks. The total number is about 100,000.

There are many restrictions on the use of credit cards, and you have to pay them back once a month. If you don't pay back in three months, your card will be suspended. If you owe more than 5,000, you may even be in danger of going to jail. In addition, credit card interest rates are much higher than loans.

It is recommended that you first find out which bank branches you have. Generally, you can only apply for a bank that has branches of the bank in your location. For example, if there is no China Everbright Bank in your area, although you can theoretically apply online, it is basically impossible to get approved unless you are an official of a certain level or provide excellent financial proof.

Then, be very clear about whether you have any credit stains. According to your question, I think you should not have it, because you should not have handled any credit business. Of course, mortgages also count. If you have been late on your mortgage payments, you will have a credit stain. If it's serious, no bank will lend you a loan or give you a credit card, no matter how good your supporting documents are.

I think it is better for you to get a direct loan.

If you work at Guangdong Development Bank or China Everbright Bank, you can go to their bank’s website to apply directly. /...>>

Question 9: How to use China Merchants Credit Card to get a loan? Hello, if you need to apply for our bank's credit card business, do you need to do cash advance business? The following is about the cash advance business, please understand:

Our bank's personal credit card has With the cash advance function, you can withdraw cash from your credit card through ATMs and bank counters of our bank or other banks (the same process as using a debit card). You can also transfer the money from your credit card to you through online banking and phone voice. In the China Merchants Bank savings card under my name (the cash withdrawal function of the business credit card is consistent with the company settings). Warm reminder: There will be certain handling fees and amount restrictions for cash advance, and it does not enjoy interest-free repayment. From the day of cash withdrawal to the date of settlement, interest will be charged at a daily interest rate of 5/10,000, and compound interest will be charged on a monthly basis. .

Cash advance:

Cash advance, also known as cash withdrawal, is a credit card function that provides cardholders with small cash loans. Our bank's credit card supports cash advance through ATM, bank counter, online banking and telephone.

Limit limit: The cash advance limit is generally 50% of the credit limit (except for cards with special regulations). At the same time, the daily cumulative cash advance amount of each domestic card is capped at RMB 2,000; the daily cumulative cash advance amount of each household for overseas non-UnionPay lines does not exceed the equivalent of US$1,000, and the cumulative amount within one month does not exceed the equivalent of US$5,000. , the cumulative amount within 6 months does not exceed the equivalent of US$10,000.

Handling fees, interest and limit limits: Handling fees: Domestic RMB cash advance handling fees are 1% of the amount of each cash withdrawal, with a minimum charge of RMB 10 per draw; overseas cash advance handling fees are 3% of the cash withdrawal amount, with a minimum charge of 3 USD or 30 RMB per transaction (American Express-Centurion Black Gold Card, American Express-Centurion Platinum Card charges a minimum of 5 USD or 30 RMB per transaction). There is no inter-bank handling fee for cash advance.

Interest: Cash advance does not enjoy interest-free repayment. From the day of cash withdrawal to the date of settlement, interest will be charged at a daily interest rate of 0.05%, and compound interest will be charged on a monthly basis.

If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search "cmb4008205555" in WeChat to follow "China Merchants Bank Credit Card Center" For consultation, thank you for your attention and support to China Merchants Bank!

Question 10: How to get a loan with a credit card? A credit card is a debit card---the credit card in your hand is equivalent to the bank having loaned you a loan, but the amount varies from a few thousand to tens of thousands (some can Reaching hundreds of thousands)

It’s just that bank loans are not cash and you need to go to merchants with POS machines to spend money

(For example, you have a thousand yuan in hand and want to buy a mobile phone, but now The bank lends you a consumption card with a certain limit, and you can use this card to buy a mobile phone. Then the one yuan in cash in your hand is equivalent to a loan from the bank; then when the specified repayment date is reached, You can repay another thousand yuan to the bank - just deposit it into the credit card you used to buy the phone)