Nowadays, more and more people are using credit cards for loans. People no longer just use credit cards as a tool for swiping purchases, but they are also a good choice for borrowing money. Everbright Bank’s instant credit card loan business has been receiving widespread attention, so what is the instant loan like? What are the advantages and disadvantages?

1. Advantages of Everbright Credit Card Instant Loans

1. Fast online card application. It usually takes 15 days to apply for a bank credit card. Everbright Bank uses the mobile terminal platform IPAD to quickly shorten the application, approval, and credit granting processes to 20 minutes, greatly improving service efficiency.

2. Spend first and then get the card. Different from the usual practice in the industry of first getting the card and then spending, Everbright Bank Credit Card "Instant Loan" implements consumption first and then getting the card, subverting the traditional model of having a card to make purchases. Even if you are empty-handed, you can "move" things home impromptu.

3. Wide range of applications: This product is suitable for all customers with larger consumption needs. In addition to electrical appliance merchants, Everbright Bank's cooperative merchants also include large and medium-sized home improvement merchants, communications merchants, etc. Everbright Credit Card Instant Loan is suitable for promotion in places with large consumption needs such as telecommunications merchants, large and medium-sized home decoration chain merchants, large and medium-sized electrical appliance chain merchants, etc. Many merchants such as China Telecom have already signed contracts with it.

4. Faster approval. Under normal circumstances, the approval results can be produced within half an hour. "Short and fast approval and credit granting.

5. More repayment methods When customers use instant loans for consumer transactions, they can choose to pay or repay in installments according to their actual situation.

6. Safe card swiping guarantee Since settlement is completed through back-end transfers between banks and partners, the security of "Shunshidai" payment has not been found yet, but some netizens have not discovered any shortcomings of Everbright Bank's instant loan. It is reported that there will be a fee after approval. In fact, this fee is not required. Friends, please don’t be deceived easily.

Summary comments: Everbright Credit Card Instant Loan is a credit card service that is easy to approve and is subversive. The traditional model of making purchases only when you have a card. When customers make consumption transactions at Everbright Bank's designated cooperative merchants, they can enjoy real-time credit and overdraft services provided by Everbright Bank. Through the mobile electronic marketing platform PAD, Everbright Bank can apply for customers at the consumption site in real time. After approval, the corresponding credit limit can be deducted and payment completed within 20 minutes. Seamlessly connecting credit consumption with the real market through the IPAD terminal is an innovation in the service model of Everbright Credit Card. The instant loan business is still very good!