If the applicant's credit card is overdue, he is not eligible for fast loan application. Even if the applicant's personal credit conditions are excellent, CCB will not let the applicant apply for quick loans. In this case, the applicant had better check the credit information to see which credit card is overdue and settle the overdue debt as soon as possible.
It should be noted that after the credit card is paid off overdue, the overdue credit record will not be eliminated immediately. To this end, it is best for applicants to suspend their application for quick loans and improve their credit for a period of time. The specific time depends on the degree of overdue. If it is a credit report that is overdue for six months twice, at least two years of credit report should be made within two years.
In addition to overdue credit cards, if the number of credit card banks in the applicant's name reaches 10 or above, or there are no 10 banks, but the overdraft limit of more than 5 of them exceeds 80%, the fast loan application will also fail. Applicants must pay attention to these two situations.
Extended data:
CCB Express Loan:
Quick loan, referred to as "quick loan", refers to the internet financial services provided for online banking users' stock mortgage, financial assets and private banking customers. It can apply for approval online, support various forms of online or offline signing and consumption, and meet customers' rapid financing needs. Anyone who has deposits, wealth management products and national debt in CCB, is a CCB housing loan customer and has not paid off the loan, and is a CCB private bank customer can apply.
CCB's fast loan application process:
Log in to mobile banking → click the "Quick Loan" icon → click "Apply".
2. Enter the application amount → enter the SMS receiving verification code for confirmation → Success.
CCB's fast loan interest rate:
Because there are many products of CCB's fast loan, the application conditions and annual interest rate of each product are different.
According to relevant consultation, the annual interest rate of CCB's "fast e-loan" is 7.2%, the annual interest rate of "financing e-loan" is at least 6.72%, and the annual interest rate of "pledged loan" is at least 5.6%.
The interest calculation formula of CCB's fast loan is: interest = loan amount * 1* annual interest rate.
CCB repeatedly uses fast loans for credit reporting;
Repeated issuance of CCB fast loans will be recorded in the credit report. Because CCB itself is a state-owned commercial bank and is connected to the central bank's credit information system, as a loan product under CCB, the relevant loan repayment records will naturally be recorded in the customer's personal credit information report in detail.
When a customer applies for a quick loan from CCB, CCB needs to check the customer's credit status, so whether the final quick loan is approved or not, CCB's inquiry record in the name of "loan approval" will remain in the credit report of the customer who applied for a quick loan.
In addition, if the customer is overdue when repaying the fast loan, the overdue situation will also be reported to the central bank by CCB, leaving overdue bad credit records in the customer's personal credit report. Moreover, this record is generally kept for at least five years after the customer pays off the debt before it can be deleted by the system.
Of course, the fast loan itself can be recycled. After the customer settles the account, the amount is usually recovered in real time. Therefore, as long as customers make good use of it and repay it on time, the relevant loan repayment records will not have any adverse impact on credit information.