1. What about long-term borrowing with CITIC Credit Card? You will know after reading this

Friends who have experience in applying for a credit card know that in addition to online purchases and physical store credit card purchases, you can also apply for cash loan services and credit card loans. The credit card loan limit does not occupy the limit of the credit card itself, so it has been praised by many cardholders. How about long-term borrowing with CITIC Credit Card?

How about long-term borrowing with CITIC Credit Card? CITIC Credit Card long-term loan is a large-amount cash advance service provided by CITIC Bank to high-quality CITIC Credit Card holders. It is credited in real time and does not require the borrower to provide mortgage or guarantee. If a cardholder wants to apply for a long-term loan from CITIC Credit Card, in addition to holding a CITIC Credit Card, he also needs to have a good credit report. The maximum loan amount available for long-term borrowing with CITIC Credit Card is 200,000 yuan, and the longest optional repayment time is 36 periods. Depending on the number of repayment periods applied for, the loan interest rate will also vary. If this is the first time you apply for a long-term loan with CITIC Credit Card, the bank will automatically generate and activate an electronic card for the borrower. More suitable for cardholders with large financial needs. If the cardholder wants to repay the loan early, CITIC Credit Card will charge a fee of 0-3% of the unpaid principal as a penalty for early termination of the installment, and will waive the handling fee for the remaining installments. Users who hold CITIC credit cards can apply for loans in the Dongka Space APP. After borrowing, the system will automatically conduct an audit, which is related to the completeness, authenticity, personal credit, etc. of the submitter's information. The audit period is generally 1-2 working days. In addition, it should be noted that in long-term loans with CITIC Credit Card, cardholders can bind other bank cards as repayment cards and loan cards. If it is bound to other bank cards and the loan is less than 50,000 yuan, it can be credited in real time. If the loan is more than 50,000 yuan, it will need to be received on the working day of the next month. The above is the sharing of relevant content about "How about long-term borrowing with CITIC Credit Card", I hope it can help everyone!

2. Can I borrow money with CITIC Credit Card?

Loans are available.

CITIC Bank Credit Card Loan is a consumer loan for office workers. The loan has a wide range of uses, with a maximum limit of 300,000, and no mortgage guarantee is required. Applications can be made online 24 hours a day.

In fact, CITIC Bank does not charge interest or even management fees for credit card loans. However, this loan is not free because China CITIC Bank charges a handling fee for credit card loans. However, the handling fee is very low, only 0.85% per month.

The calculation method of CITIC Bank credit card loan fees is:

Monthly handling fee = total loan amount X0.85%

Total repayment (monthly) = Principal/month handling fee

Total handling fee (total) = total loan amount 0.85% monthly fee collection situation. If you borrow 10,000 yuan and repay it in 12 installments, then the fees that need to be repaid are:

Monthly handling fee: 10,0000.85%=85

Total handling fee (total) = 10,000120.85%=1020

In other words, if you borrow 10,000 yuan for one year, the total handling fee is 1,020 yuan, and the annual interest rate is approximately 10.2%. Compared with the 18% annual interest rate for credit card cash withdrawals, CITIC Bank's credit card loan rates are lower.

3. Can I borrow money from CITIC Credit Card?

One uses gold, but these rates are relatively high. You can choose credit loans from other banks and download an APP to see them.

4. Can I apply for a credit card worth 3,000 to 5,000 yuan if I have a CITIC credit card?

If you have a credit card, you may not be able to apply. It also depends on whether it is overdue, how long you have used it, and the limit. How much? It’s no problem. You still need to do some work. Proof of income, bank statements, formal companies all need these, and the interest is reasonable. But you don’t need to worry about these. The interest may be very high, and it may occur. You have to learn it yourself. Judgment