Which bank offers the best credit card loans?
Introduction to the top ten bank loan products:
1. Industrial and Commercial Bank of China
Product name: Rong E loan
Interest rate: annualized Around 7.2, it can be even lower when encountering promotions.
Limit: 600-800,000, basically equal to the credit card limit.
Period: Generally 2 years, maximum 5 years. Four repayment methods are supported: equal principal and interest, equal principal, one-time principal payment with interest on schedule, one-time principal and interest payment, and early repayment is supported.
2. China Construction Bank
Product name: Quick e-loan
Interest rate: annualized around 6.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: You must have business dealings with China Construction Bank before you can get a limit, such as housing loan, financial management, provident fund, etc.
3. Agricultural Bank of China
Product name: Wangjie Loan
Interest rate: annualized around 5.
Quota: up to 300,000.
Term: 1 year. One-time repayment of principal and interest.
Evaluation: The application threshold is relatively high, but there are also opportunities to provide quotas. Friends who have business dealings with Agricultural Bank of China can try it.
4. Shanghai Pudong Development Bank
Product name: Diandai
Interest rate: annualized 6.3.
Quota: up to 300,000.
Term: 5 years. For those with more than 1 year, you can only choose the repayment method of equal installments of principal every month or equal installments of principal and interest this month.
Evaluation: However, you need to have a provident fund to get a loan, and not all cities are open to it.
5. Bank of China
Product name: E loan
Interest rate: annualized around 6.
Quota: up to 300,000.
Term: 1 year. Interest is paid monthly and the principal is repaid upon maturity.
Evaluation: A popular product of state-owned banks, the application threshold is high.
6. China CITIC Bank
Product name: Dream Dream Gold
Interest rate: annualized 9.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Evaluation: The threshold is not high. You can basically apply for a credit card from CITIC Bank, but some of it will occupy the credit card limit.
7. China CITIC Bank
Product name: New Express
Interest rate: The normal annual rate is around 9, and it drops to around 6.8 during promotions.
Quota: up to 300,000.
Term: up to 3 years. Repay monthly, equal principal and interest.
Reviews: Some of them will occupy your credit card limit.
8. Everbright Bank
Product name: Provident Fund Loan
Interest rate: annualized around 6.
Quota: up to 300,000.
Term: up to 3 years. There are two repayment methods: equal principal and interest, and monthly interest repayment.
Evaluation: Provident fund is required, but not all cities are open to it.
9. Postal Bank
Product name: Postal Banking Loan
Interest rate: annualized around 14.
Quota: up to 200,000.
Term: up to 2 years. Equal principal and interest.
10. China Merchants Bank
Product name: E Merchants Loan
Interest rate: annualized around RMB 18, with daily interest rate of RMB 50,000.
Quota: up to 300,000. The amount is non-recyclable.
Term: up to 2 years. Equal principal and interest.
Which bank credit card can lend money? Introduction to credit card loan products of various banks!
Nowadays, more and more people are buying cars and houses, so there are also not a few people who are applying for bank loans. There are many ways to apply for a loan from a bank, and personal qualifications are an important factor. In fact, a better way is to get a credit card loan. Generally, users who have applied for a credit card at a bank will find it easier to get a loan.
So which bank’s credit card can lend money? Here is an inventory of the credit card loan products of various banks, let’s take a look!
1. Bank of Communications
The main credit card loan products of Bank of Communications are Haoxiangdai and Angel Loan, the details are as follows:
Haoxiangdai: Haoxiangdai The minimum loan amount is 1,500 yuan, and the maximum loan period can be 24 periods. After applying for a limit, you can withdraw it for use, which is independent of the credit card limit.
Angel loan: Angel loan is equivalent to the expansion of your credit card limit. Products purchased with an amount of more than 500 yuan will be automatically installmentd. The credit limit can only be used for credit cards at merchants or online shopping, and cannot be withdrawn in cash.
2. China CITIC Bank
CITIC’s loans include: Kuaiyidai, Xinkuaicash/Dream Realm, and Miaomiaodai.
New Quick Cash/Dream Realization Gold: New quick cash will be issued about 3-5 days after high-quality customers withdraw their Dream Realization Gold, and the quota is unlimited. If you are not a high-quality customer, the new express line limit is generally shared with the dream limit.
Generally, a credit card with a credit card limit of less than 10,000 yuan will take at least 6 months to pay out the limit. Customers with a credit card limit of about 30,000 yuan can pay out the limit in 2 months.
3. China Merchants Bank
The main loan products include investment reserve fund of 300,000, e-loan of 300,000, car installments up to 1.5 million, flash loan of 500,000, China Merchants Bank is looking forward to it 300,000.
Basically, there are more applicants for e-loans and good-term loans now, and it is generally easier to get a quota. Friends who want to apply can apply for a loan directly on the website, or download the software on the mobile phone to apply for e-loans and cash installments.
4. Guangfa Bank
Guangfa Caizhijin can generally achieve 3 to 5 times the original limit of the card, and the money from Caizhijin can be directly transferred to the savings card. , and it can be done in a loop.
Under normal circumstances, as long as you make an installment plan, you will definitely have financial funds. If not, check to see if there is a problem with the card. There must be no overage or overdue, and it is best to There is no temporary. You can try the installment plan.
5. Shanghai Pudong Development Bank
The loans of Shanghai Pudong Development Bank include: Xiaopu Hongdai, Shanghai Pudong Youth Loan, Shanghai Pudong Development Bank Diandai, Shanghai Pudong Development Bank Beifujin, and Shanghai Pudong Development Bank Universal Gold.
There are more people applying for Pudong Development Bank’s universal card, which is also relatively easy to maintain. The maximum limit is 300,000. New cards are basically issued and may occupy the original limit.
6. Hua Xia Bank
Hua Xia has a loan product called Yi Da Jin, which can arrive on the same day as soon as possible. If you have a Hua Xia Bank credit card and are a high-quality customer, you can try it.
The maximum limit is up to 500,000, and the rate is monthly. You can evaluate it yourself. The good news is that there are no account management fees or any other additional fees. It is more convenient to withdraw cash directly after application.
Here we take stock of the credit card loan products of various banks. I hope it will be helpful to you. When you think your credit card limit is not enough or you need money urgently, credit card loans are not a bad option. Just choose the product that suits you and repay the loan on time!
What are the credit card loans of China Merchants Bank?
China Merchants Bank has many credit card loan products. The more famous ones include e-loans, car installments and other products. The regular ones also include installment shopping, cash advance, etc. .
1. e-Zhao Loan. e-Zhao Loan is a cash credit service provided by China Merchants Bank Credit Card Center to eligible cardholders. They can freely choose to repay at any time or in installments. This product does not require an appointment. And mortgage guarantee, you can get cash through transfer.
2. Installment shopping, whether it is large purchases such as home appliances, digital products, department stores, fitness, wedding dresses, education, etc., you can use credit cards to pay in installments. At the same time, online shopping installment cooperation merchants include Suning, Gome and other large online malls.
3. Platinum Installment Card. The credit limit of the Platinum Installment Card can reach up to 300,000 yuan. When the total consumption amount exceeds 300 yuan or 2,000 yuan, it will be automatically installmentd, and you can enjoy the exclusive preferential rate of the platinum installment card.
4. Cash advance. Cash advance is the basic function of China Merchants Bank’s credit card. Cardholders can obtain funds through cash withdrawal or overdraft transfer. The cash advance fee is 1% of the amount of each cash advance, and the minimum fee is RMB 10 per transaction.
5. Car installment. Car installment is the car loan business of China Merchants Bank credit card. Cardholders with CMB credit cards can apply for car installment business. To apply for car installment, you need to pay at least RMB 30 of the net car price (the down payment is as low as RMB 20 for some models).
Which banks have credit loans?
The following banks have credit loans: 1. Industrial and Commercial Bank of China e-loan, 2. China Construction Bank Quick e-loan, 3. Agricultural Bank of China, 4. Bank of China , salary loan.
1. ICBC e-Loan
Requirement 1: Handling the following businesses will help you obtain qualifications and frequently use ICBC credit cards with good credit. Handle our bank deposits, financial management, Funds, precious metals, pensions, corporate annuities and other businesses; handle our bank's personal housing mortgage loan business and maintain good records; become our bank's payroll client.
Requirement 2: Apply in the business area where you work (where provident fund, tax, social security, etc. are paid)
Requirement 3: It cannot be used for house purchase or real estate project development; it cannot be used for investment, Loans and arbitrage
The limit is 600 yuan to 800,000 yuan; the mobile terminal can apply for a total of 300,000 yuan. The repayment method for excess offline applications is equal amounts of principal/equal amounts of principal and interest. Some customers can choose to repay the principal upon maturity.
Loan term: 12/24/36 period
2. China Construction Bank Quick e-Loan
Requirements: CCB personal customers with good credit, as long as they apply at CCB Businesses (such as saving money, purchasing financial management, treasury bonds, funds, etc., loans, salary payment, etc.) may obtain a quota, which will be automatically reviewed online and cannot be used for house purchase or real estate project development; it cannot be used for investment, lending, or arbitrage
3. Agricultural Bank of China Online Loan, requirements: Agricultural Bank of China personal housing loan customers, salary payment agents, VIP customers, customers who pay housing provident funds on time in some areas, and other whitelist customers
4. Bank of China, Salary Loan
Requirements: For employees of enterprises and institutions with stable and continuous salary income (including but not limited to civil servants, employees of state-owned enterprises, and full-service enterprise employees whose treatment is basically the same as that of civil servants (such as Personal credit revolving loans provided by teachers, doctors), armed police and military officers and soldiers, etc.
: Credit loans refer to loans issued based on the creditworthiness of the borrower, and the borrower does not need to provide guarantees. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment. This kind of credit loan has been the main lending method of Chinese banks for a long time.
Due to the high risk of credit loans, it is generally necessary to conduct a detailed inspection of the borrower's economic benefits, operational management level, development prospects, etc. to reduce risks.
Credit loan business is mainly handled through banks, loan companies, and electronic financial institutions.
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Which banks can use credit card loans? Take a look at these credit cards
In addition to overdraft consumption, credit cards can also be used for loans. However, it does not mean using a credit card as a voucher to apply for a loan from a bank. Instead, many banks provide hidden credit card benefits to high-quality cardholders. After a comprehensive evaluation of the cardholder, an additional cash installment limit will be granted. You can apply to borrow money within the period, let’s take a look below.
Which banks can lend money with credit cards?
1. Agricultural Bank of China
Agricultural Bank of China has a credit card consumption reserve fund, which means that the cardholder applies for an installment limit from Agricultural Bank of China, and after successful approval by Agricultural Bank of China, the consumption funds will be transferred to the designated credit card. For cardholders to repay the principal in installments and pay a certain amount of installment fees, the minimum single application amount is 500 yuan, and the maximum amount is 300,000 yuan.
If you want to use an Agricultural Bank of China credit card to apply for consumption reserves, the cardholder must be the main cardholder of the personal credit card, and the account status is normal, the credit status is good, and there are no unpaid overdrafts in local and foreign currencies. .
2. Industrial Bank
Industrial Bank has an Xingxiangdai business, which can also be regarded as a credit card loan. It is a fixed limit on credit cards provided by Industrial Bank to high-quality credit card holders. For other one-time cash consumption limits, the minimum transaction amount starts from 1,000 yuan, and the maximum limit is said to be 300,000 yuan. Credit is mainly granted based on a comprehensive assessment of the cardholder's credit conditions.
Except that the limit of Xingxiangdai is different from that of a credit card, its business model and standard pricing are completely consistent with the cash installment business of Industrial Credit Card.
3. China Merchants Bank
e Zhaodai is a relatively good credit card loan from China Merchants Bank. It is also a cash installment loan and is granted credit by the bank after a comprehensive evaluation of high-quality cardholders. , you can apply to borrow money multiple times within the credit limit, transfer the money to a debit card in your name, and then repay it in installments.
You must seize the time when applying for an e-loan. If there is a discount, the monthly interest rate after discount is around 0.45~0.6, and the loan period can be up to 24 months, which is suitable for working people with long-term capital cycles. Family processing.