Can I get a loan with a credit card?

Credit cards can be used for loans. There are two main ways for cardholders to make loans through credit cards:

1. ATM or cash withdrawal at the counter. The amount of cash withdrawal depends on the available credit card. Usually, after cash withdrawal, this part of the interest is charged on a daily basis, which is generally 15, yuan, equivalent to an annualized interest rate of about 18%. Moreover, it is very likely that you need to pay a one-time extra handling fee to the bank when withdrawing cash.

2. Credit card APP borrowing function. Now basically every credit card issuing bank has launched its own exclusive credit card app. For example, the colorful life of China Bank. There are many applications in this kind of credit card app. In the application, you can often find the situation of borrowing money, and borrow the amount in the credit card to the cardholder's savings card. Borrowing money from app also carries interest on a daily basis, which is generally around 15, yuan, and a handling fee of about 1% is often required.

operating environment: iPhone11ios15. Bank of China V7.2.

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1. Credit card loan refers to the overdraft function granted by the bank to the cardholder within a certain credit limit, which turns the consumer loan function of the credit card into unsecured, which is actually a credit card transfer loan business. After the credit card loan application is approved, the bank will transfer part or all of the credit card amount to the debit card, repay the loan according to the repayment period agreed with the bank, and the cardholder will pay the corresponding handling fee.

2. At present, the application threshold for credit card loan business is not high. As long as the cardholder's credit status is good and his account is normal, he can generally apply. Most banks can make personal credit card loans through telephone invitation and customer's active application. Individual banks take the form of bank's active invitation, and the loan amount of customers invited by banks is generally higher than that of customers who apply actively. In this way, you can apply for loans ranging from 5, yuan to 2, yuan. As for the amount of personal credit card loans, it is related to the original credit card limit of credit card holders.

3. Credit card loan is simply cash installment. The cardholder can directly handle it in mobile banking, WeChat, bank app or through customer service, and tell the customer service how much money you want and repay it in several installments. The banking system has your daily card usage and credit card limit. According to the status displayed on the system, the customer service will tell you how much money you can have, and then repay it in installments.

is there a credit card to get a loan?

with a credit card, you can apply for a loan without bad credit information such as overdue credit card.

According to Article 11 of the Interim Measures for the Administration of Personal Loans, an application for personal loans should meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Extended information:

Interim Measures for the Administration of Personal Loans Article 23 A lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is required. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.

article 24 a loan contract shall comply with the provisions of the contract law of the people's Republic of China, and clearly stipulate the good faith commitment of each party, the purpose of the loan fund, the object (scope) of payment, the amount of payment, the payment conditions and the payment method. The loan contract shall set up relevant clauses to clarify the liability for breach of contract that the borrower shall bear when he fails to perform the contract or is slow to perform the contract.