How to borrow credit card installment loans from CCB? What are the conditions?
China Construction Bank has always had many customers, many of whom have handled credit card or loan business in China Construction Bank, and credit card installment loans of China Construction Bank have always been very popular. Then, how to borrow CCB credit card installment loans? What are the conditions for the loan? I will answer your questions today.
First, a credit card of Zhang Jianshe Bank
To apply for a credit card loan of CCB, you must first have a credit card of Zhang Jianshe Bank, and it should be noted that the credit limit of this credit card should not be too low, because your cash withdrawal limit and installment loan credit limit are determined according to the credit limit of your credit card. So if your quota is not high, then you can't borrow much money.
It doesn't matter if your credit limit is not high. Spend more by credit card, or provide you with sufficient proof of assets and financial resources. Just ask CCB to raise the credit card for you, and then apply for a loan.
Second, the credit card use record should be good
If you want to apply for a credit card loan, you must have a good credit record. Only when the credit card is in good use and there is no record of overdue repayment can you easily borrow money. If you are overdue for more than three times or the accumulated overdue days are more than 1 days, the bank will still refuse to handle the loan for you.
The above is about "How to borrow credit card installment loans of CCB? What are the conditions? " In fact, there are two conditions for CCB credit card loans. One is to have a CCB credit card with a good amount, and the other is that this credit card has a good repayment record and no overdue record. Generally, these two conditions are met, and it is quite simple to give CCB credit card loans.
How to handle CCB's credit loan
The general process of CCB's personal credit loan is as follows:
1. The borrower fills in the Loan Application Form and provides the necessary information;
2. CCB investigates and reviews the borrower's credit status and information, and gives a formal reply to the applicant within three weeks;
3. The borrower who has passed the audit of CCB signs a loan contract with CCB. And according to the loan guarantee method, at the same time sign a mortgage contract or pledge contract, guarantee contract;
4. Go through the formalities of real estate insurance, mortgage registration or contract notarization according to national and local laws and regulations and the regulations of China Construction Bank;
5. CCB issues loans according to the contract.
as for the difficulty of applying for this loan, it mainly depends on the borrower's personal credit and the matching degree with the product. Molong is recommended for the loan, and the audience is the group over 25-55 years old who needs a large loan, and the non-online lending group, such as: Huabai, Xiaoman and so on. There are many product choices to meet diversified needs.
Credit card loan is the overdraft function within the credit limit given by the value bank to the cardholder, just like no guarantee. It is a kind of credit card transfer loan business. After the credit card loan application is approved, the bank will transfer the credit card amount to the debit card, and then repay the loan according to the time limit and amount stipulated by both parties at that time, and pay the corresponding handling fee.
for more information about loans, please consult Morlon. Since 215, Moerlong has paid 26 million yuan in taxes according to law, served 2 million customers, cooperated with 1, licensed financial institutions and banks, pioneered sets of standardized charges in the industry, and provided 2 differentiated loan products, satisfying customers with various qualifications, covering 371 cities, with a loan success rate of 9% and a conscience loan for 13 years. It is powerful and trustworthy.
how to borrow money from CCB's credit card? Try these methods
After the CCB credit card is established, it can be used to borrow money in addition to overdraft consumption, and there are many ways. Some card friends may not know much about CCB's credit card borrowing. Here, I will briefly introduce the most common ways to borrow money, hoping to help friends who are in urgent need.
how to borrow money from CCB's credit card?
1. Cash advance by credit card:
It refers to the withdrawal of cash within the credit card limit, and the maximum amount is 5% of the approved credit card limit, including cash withdrawal, cash transfer and cash installment.
1) Cash withdrawal means that the cardholder obtains the funds in the credit card limit in cash at CCB outlets through counters, smart teller machines and ATMs, with a daily limit of RMB2, and a monthly limit of RMB5,. A handling fee of 1% of the transferred amount is charged for each transaction, and interest is charged from the entry date, with a daily interest rate of .5%. After the bill is issued, the principal and interest are paid off in one lump sum.
2) Cash transfer means that the cardholder transfers the funds within the credit line to his savings account through China Construction Bank's mobile banking and online banking, and the limit and interest fee are the same as cash withdrawal except in different ways;
3) Cash installment refers to the transfer of funds within the credit card limit to my bank settlement account, and then repayment in installments. There are 3, 6, 12, 18 and 24 installments, and the handling fee is required. The monthly benchmark rate is 3, 6, 12, 18 and 24 installments, and credit card loans:
In fact, it is a special credit card installment business, and there is a CCB installment. After successful processing, a special installment card will be issued, and the amount of application will be transferred to the special installment card, which will be used by designated merchants to spend money, and cash cannot be directly obtained.
Let's stop here for the introduction of credit card loans of CCB.