1. Can I borrow money from the credit card of China Merchants Bank I just opened?

The newly-established China Merchants Bank credit card can't directly handle loans, and the use situation after a period of use can be used as credit information, but the credit card is not the information for handling loans.

bank loans need a stable source of repayment, good credit information or collateral with clear property rights, such as real estate and vehicles.

Requirements for bank loans:

People who have reached the age of 18 and have full capacity for civil conduct, permanent residence of urban residents or legal and valid identity certificates. Bank loans require lenders to be generally between the ages of 18 and 6.

2. Have a stable legal income and the ability to repay interest;

3. Good credit information.

4. Other conditions required by the lending bank.

To apply for a bank loan, you need to prepare materials:

Valid identity documents.

2. proof of permanent residence or valid residence, and proof of permanent residence.

3. proof of marital status.

4. Bank flow.

5. proof of income or personal assets.

6. Credit report.

7. loan use plan or statement.

8. Other information required by the bank.

second, why do I need a credit card to get a loan from China Merchants Bank?

in order to expand a new business.

Third, can I apply for a loan with a credit card of China Merchants Bank?

If you apply for a loan at China Merchants Bank, the premise is that there is no problem with your credit information and you can provide a 6-month salary flow, so you can apply for a loan at China Merchants Bank normally. If you have a credit card of China Merchants Bank with a high credit limit and a good credit rating, you will get some discounts when applying for a loan! It may be faster in the process of online application.

4. Can I get a loan with the credit card of China Merchants Bank I just opened?

If it's a CMB credit card, you can log in to the Pocket Life client and try to apply for cash installment and e-loan. Please refer to the audit results for the specific amount and expenses.