What is a credit card statement loan? Credit card statement loan is a new loan method. Cardholders only need to provide their credit card statements for half a year to apply for a loan.

If you are borrowing from a bank, the credit card statement cannot be directly used as a loan application procedure, but it can be used as a reference for the loan. Because the loan is not constant based on the amount of the cardholder's consumption, but needs to consider many factors, such as the nature of the workplace, whether you are married, whether you have a house, whether you have a vehicle, how much your monthly salary is, etc.

Credit card bill loan is a loan method introduced by some lending institutions. Cardholders only need their mobile phone + credit card email + Taobao Alipay account and password + mobile phone number to apply for a loan from the lending institution, but the security is not Be protected. It is recommended that you choose a formal lending institution or bank for a loan.

How to apply for a credit card bill loan?

1. Application conditions:

Generally speaking, you must be a high-quality cardholder of the bank. Among them, China Construction Bank only applies to principal cardholders of Long Card credit cards (except commercial cards); China Merchants Bank requires that applicants must hold the bank's main credit card personal card and all-in-one card and maintain good card usage records; Industrial Bank requires normal use of credit cards. Principal cardholders with good card status; Minsheng Bank’s requirement is to target high-quality cardholders who have held the card for a certain period of time; CITIC Bank also requires high-quality cardholders.

2. Information required for application:

1. Identity cards, marriage certificate, and household register of both spouses.

2. Your real estate certificate and car ownership certificate (house purchase contract is also acceptable)

3. If you are doing business, you must also provide your business license, national and local tax, and organization code , bank account opening permit, capital verification report, if you are working, just provide proof of work income.

4. Provide your half-year bank statements and credit card statements.

5. Provide your credit report.

3. Application method:

It can be applied by phone or online. China Construction Bank applies online; China Merchants Bank can apply in three ways: online application, mobile life application, and telephone application; Industrial Bank and Minsheng Bank call customers to apply.