First, which is the credit card loan APP?

If you have certain financial proof, use your mobile phone to download the online APPlication of Bank of China, which collects the applications from various loan platforms, hoping to help you.

Second, which is the credit card loan app? Select the five from four aspects

In the credit industry, many institutions issue loans through the Internet. Among them, some online loans can be applied with credit cards and simple personal data. So, which credit card loan APP is better? I believe many people are particularly concerned about this issue. Today, here is a brief introduction for everyone.

Ping An I loan can be reviewed in 3 minutes at the earliest, and the results can be reviewed almost immediately after the application is submitted. The daily interest rate of Ping An I loan is about .5%, and everyone's qualifications are slightly different, as long as they are over 18 years old, have a stable job, earn more than 3, yuan, work for at least 6 months, and have good credit information. Xiaomi loans the micro-loan products under Xiaomi Finance, with a maximum loan of 2, yuan. As long as you install the Xiaomi loan mobile APP and authenticate your personal information, you can apply. Some users may not have the authority. The expected annualized daily interest rate is .5%, and interest is calculated on a daily basis, and repayment is made on a monthly basis in the form of equal principal and interest. Micro-loan The mobile phone credit loan of Weizhong Bank, a subsidiary of Tencent, can only be imported if it meets the opening conditions of micro-loan. The maximum amount can reach 3, yuan, and the loan interest is .5% per day and the annualized interest is about 18%. Gitzo Super Loan Gitzo Super Loan is a consumer loan product under Gitzo Consumer Finance. You can make payments by mobile phone operation, and you can withdraw cash without mortgage guarantee. The loan amount ranges from 2 to 5 yuan, which can meet the capital needs of most users. JD.COM Gold Bar JD.COM Gold Bar is a pure credit loan product owned by Jingdong Finance, which allows you to withdraw cash directly. The loan amount of JD.COM Gold Bar is relatively large, up to 2, yuan. Everyone can borrow by binding their own bank cards and credit cards. The better the credit, the greater the credit line. If interest is calculated by the day, the daily interest rate is between .4% and .95%. Generally speaking, the better the personal credit, the lower the loan interest rate.

3. which apps can repay credit cards?

There are two kinds of credit card apps that support the repayment business. One is to help cardholders to make credit card repayments directly in the form of recharging, and the other is to provide short-term loans to help cardholders solve their urgent repayment needs.

direct recharge and repayment credit card app

1. Alipay

Alipay can be said to be the most grounded and popular mobile phone financial manager. Of course, it can also be used as a repayment credit card app. Open the software and click the "Credit Card Repayment" function to transfer money to the credit card;

second, wechat

wechat is a social software with complete functions, including the option of "credit card repayment" for financial services.

Card friends can transfer repayment to their credit cards through their WeChat wallets.

Apps for repaying credit cards

In addition to direct repayment credit card apps such as Alipay and WeChat, there are also apps that can repay credit cards, such as saving money and credit card loans.

1. Save the expense

Applying for credit card repayment through the province-saving app has a very fast review speed, simple review procedures, a very high repayment amount, and the repayment time is seconds, and it is also very cheap by installments. Xiaobian highly recommends this credit card app.

Second, credit card loan

Credit card loan is also very easy to use, and the application is very simple. Although it will charge a little more handling fee, it is worth a try for card friends who have never tried credit card repayment.

IV. Which is better, credit card loan or bank loan?

Credit card is cost-effective or bank loan is cost-effective, which is discussed in different situations. If it is short-term, it is more cost-effective to use credit card;

if it is a long-term capital demand, it is more cost-effective to use a credit card if the bank loan is relatively more than 5% of the fixed amount;

Large credit card with credit card usage exceeding 5%

Main features:

1. Credit card is one of the fastest-growing financial businesses, which can replace traditional cash circulation in a certain range;

2. Letter function. Cardholders can use it to buy goods or enjoy services, and they can also obtain certain loans from card issuers by using credit cards;

3. Credit card is a high-tech integrating financial business and computer technology

4. Credit card can reduce the use of cash and currency;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance safety

6. Credit cards can simplify collection procedures and save social labor;

7. Credit cards can promote commodity sales and meet social needs.

the main types

can be divided into bank cards and non-bank cards

bank cards. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or at all branches or offices of the issuing bank.

non-bank card. This kind of card can be divided into retail credit cards and credit cards issued by industrial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or at gasoline stations. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

according to different card issuers, it can be divided into corporate cards and personal cards

corporate cards. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, reputation and status, and their various requirements are not as good as gold cards. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The items and scope of gold cards are also much wider, so the requirements for related service fees and guarantee funds are also higher.

according to different payment methods, credit cards can be divided into debit cards and debit cards

credit cards. It means that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of the cards used in international circulation have no credit in the card account, and the payment method is "consumption first, then deposit". At present, most of the cards in circulation in the world are of this kind.

credit card and debit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.