How to get a CCB credit card loan

1. On the mobile phone desktop, open the CCB app.

2. Open the China Construction Bank app and click on the arrow in the upper left corner of the page.

3. Next, click Login.

4. After logging in, click on the small and micro quick loan pointed by the arrow.

5. In the page that appears next, select the loan you want to apply for and click Apply.

How to borrow money with CCB credit card? Try these methods

After applying for a CCB credit card, in addition to overdraft consumption, you can also use it to borrow money, and there are many ways. Some card friends may not know much about borrowing money with CCB credit cards. Here is a brief introduction to the most common ways to borrow money. I hope it can help those who are in urgent need.

How to borrow money with CCB credit card?

1. Credit card cash advance:

Refers to the withdrawal of cash within the credit card limit. The maximum limit is 50% of the credit card's approved limit, including cash withdrawals, cash transfers and cash installments. Way.

1) Cash withdrawal means that the cardholder obtains the funds in the credit card limit in the form of cash through counters, smart tellers, and ATMs at CCB outlets. The daily limit for each card is 20,000 yuan, and the monthly limit is 5 Ten thousand yuan, a handling fee of 1% of the transfer amount will be charged for each transfer, and interest will be charged from the date of entry into the account, at a rate of 0.05% per day. The principal and interest will be paid off in one go after the bill is issued.

2) Cash transfer means that the cardholder transfers funds within the credit limit to his or her own bank savings account through CCB mobile banking or online banking. Except for the different methods, the limit and interest charges are the same as those for cash. The withdrawals are consistent;

3) Cash installment refers to transferring the funds within the credit card limit to your bank settlement account, and then repaying it in installments. There are 3, 6, 12, 18, and 24 installments to choose from, and payment is required Handling fees, monthly base rates are 3, 6, 12, 18, 24, credit card loans:

In fact, it is a special quota installment business, with CCB Installment Pass, the maximum credit limit is 300,000 yuan. The bank will grant comprehensive credit based on the cardholder's credit status. After successful application, a special installment card will be issued. The applied amount will be transferred to the special installment card. You can use the card to make purchases at designated merchants, but you cannot directly obtain cash. .

Can I get a loan with a CCB credit card?

Can I get a loan with a CCB credit card? CCB credit card holders can apply for cash installment loans. Cash installment business is a purely credit-based personal business. Through this business, cardholders can use credit cards to make large purchases and then repay in installments. For example, if you want to renovate or buy a car, you can apply for cash installment. After the application is successful, China Construction Bank will lend another special amount to your credit card for you to use.

CCB Credit Card is a credit card issued by China Construction Bank. All credit cards issued by China Construction Bank are named "Dragon Card", and the types include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, etc.

Interest:

During the interest-free repayment period: The interest-free repayment period refers to the interest-free period for consumption transactions enjoyed by cardholders who repay in full on time. The interest-free period starts from the bank accounting date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy the interest-free repayment period.

Tips:

If you fail to repay the loan in full before the due payment date, you will not enjoy the interest-free period. China Construction Bank will charge interest at a daily rate of 5/10,000 and compound interest on a monthly basis. The interest accrual date is from the date of consumption to the repayment date, and the interest accrual principal is calculated based on the actual amount payable.

If you fail to repay before the due payment date or the repayment amount is less than the minimum repayment amount, China Construction Bank will not only charge interest according to regulations, but also charge the unpaid portion of the minimum repayment amount. 5. Charge late fees.

Calculation example:

Assume that your bill date is the 17th of a certain month, and the due payment date (taking 30 days per month as an example) is the 17th of the next month (if If the month has 31 days, it will be the 16th of the next month, and the size of the month is calculated accordingly).

If you spend 10,000 yuan on April 15th, and the payment is credited to your account on that day, the bank accounting date will be April 15th, because your statement date is April 15th. On April 17th, the repayment due date is May 7th, 20 days after the bill date, and the longest interest-free period for this consumption is 23 days;

If you spend $10 on April 18th, 000 yuan, and the consumption amount is credited to your account on the same day, the bank accounting date is April 18. Since the consumption amount should be debited on the billing day of May 17, it is not until the due date of repayment. There are 50 days on June 6th, so the maximum interest-free period for this purchase is 50 days.

During the recycling period:

Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay in time (including repayment according to the minimum repayment method) after each use of the limit, it can be used repeatedly and does not need to be applied before each use. Revolving credit is the inherent attribute and main function of credit cards, which brings convenience to cardholders.

Interest calculation for revolving credit:

Each consumption amount in the previous statement is the interest-bearing principal, from the date the account is recorded until the account is paid off The number of interest accrual days is the number of days to accrue interest; the revolving credit interest rate is uniformly stipulated by the People's Bank of China, with a daily interest rate of 5/10,000, and compound interest is calculated on a monthly basis. Interest on the revolving credit will be stated on your next bill.

Calculation example:

Assume that your bill date is the 7th of each month and the repayment due date is the 27th of each month. If you spend 10,000 yuan on March 20, and the payment is credited to your credit card account on March 23 (i.e., the billing date), your statement on April 7 will list: All for this period The repayment amount is 10,000 yuan, and the minimum repayment amount is 1,000 yuan. If no other transactions are recorded from April 8 to May 7, and you pay the minimum repayment amount of RMB 1,000 on April 27, the bill on May 7 will not include the remaining consumption amount. In addition to the partial repayment of 9,000 yuan, an additional 225 yuan of interest will be included.

Can I get a loan with a CCB credit card?

I can get a loan with a CCB credit card. Credit card loans are divided into car purchase installments, cash installments, consumption installments, decoration installments, merchant installments, etc.

The borrowing channels for CCB credit card loans include: mobile banking, WeChat banking, personal online banking, ATMs, Shanrong Business, branch smart teller machines, branch counters and self-service voice.

Credit card loans refer to banks granting a certain amount of money based on the credit card holder’s credit status, and the cardholder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment.

The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure.

Handling fee: You do not need to pay bank loan interest when purchasing a car in installments with a credit card, but you will need to bear a one-time handling fee. Handling fee = installment amount

Loan term: The maximum term for installment car purchases is generally 24 months.

Down payment: When purchasing a car by credit card installment payment, you generally need to pay a down payment of no less than RMB 30 of the car price.

Limit: Each bank stipulates the loan amount for credit card installment car purchases. For example, China Construction Bank stipulates that the installment amount for car purchases ranges from 20,000 to 200,000.

Credit card loan to buy a car is a credit card installment business launched by the bank. The credit limit that cardholders can apply for is generally 20,000-200,000; there are three types of installments: 12 months, 24 months, and 36 months; there is no loan interest rate for credit installment car purchases, and the bank only charges a handling fee. The handling fees for different installments Rates vary.

Credit card loans for car purchases include zero interest in installments, preferential handling fees, no guarantee, and no mortgage. You also enjoy credit card points rewards, without the burden of high loan interest, and you are also exempted from the tedious mortgage procedures. By applying to the bank Just provide some materials to apply for a special credit card and pay the one-time handling fee. The disadvantage is that the car models and prices are limited, but most commonly used models can be selected.

Shopping mall installment is one of the bank credit card consumer credit services. That is, when credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into 3, 6, or 12 installments. Payment can be made in several installments (months) such as one or 24 installments.

Repay the amount on time according to the credit card bill in each period (month). When the cardholder chooses to go to a bank's designated installment merchant store and complete the installment payment through a designated POS machine, it is called "mall installment payment" or "mall installment" for short.

This concludes the introduction about CCB credit card loans and how to check CCB credit card loan balance. Have you found the information you need?