Banks rely on borrowed gold cards to provide small consumer loan services to cardholders. Cardholders can use the borrowed gold card to transfer funds, and then they need to repay the short-term cash installment service with daily charges to the bank.
Extended data:
The daily handling fee rate of credit card loans of CITIC Bank is 0.05%, and the calculation standard of total handling fee is = loan principal * loan term * daily handling fee. If you borrow 1 0,000 yuan and the loan term is 7 days, then the total handling fee is 10000 * 0.05% * 7 = 35 yuan.
Loan business application
1. The loan business is only handled by the main cardholder with good credit status, and the supplementary cardholder is not allowed to handle this business. ?
2. Party A has the right to decide whether to approve Party B's loan application according to the comprehensive evaluation results of Party B's credit status.
3. Once Party A has approved Party B's loan application, Party B shall not cancel the application, change the loan term or apply for other installment business to collect the loan principal and handling fee.
4. Party A reserves the final right to accept and finally approve the loan application and adjust the loan amount and loan term.
References:
Supplementary Agreement for Credit Card (Personal Card) Purchase Contract of CITIC Bank (with loan business)