I currently have a CCB credit card but it is empty. Can I get a loan?

What do you mean by empty card? The credit card itself has a credit limit, and you can use it for overdraft consumption without depositing money into it. How much you can overdraft depends on your overdraft limit. You can spend within your available limit.

What do you mean by loan? Do you want to apply for installment? If so, you can apply for installment payment after consumption. CCB now applies more for consumption installment or bill installment.

Consumption installment means that after consumption, you apply for installment for your single consumption of more than 1,000 yuan two days before the bill date. This is applied on a transaction-by-transaction basis. So if you want to apply, you can apply from after the transaction is recorded to two days before the billing date. Bill installment means applying for installment payment of the consumption amount that has been billed from the day after the bill date to the final repayment date (can only be applied for once in 30 days). The minimum application amount is RMB 500, and the maximum amount shall not exceed 90% of the total consumption amount in the issued bill (excluding cash withdrawals, installment payments and other transactions specified by CCB).

You can also log on to the CCB credit card website and click on these installments to learn more about them.

Is it possible to get a loan with a blank credit card? How to get a loan?

As the number of people applying for credit cards rises sharply, more and more people want to know more about credit card loans. Is it possible to get an empty credit card loan? How to get a loan? This is an issue that many people are concerned about but cannot figure out. Let me introduce it to you in detail below.

Is it possible to get a loan with a blank credit card?

You can get a loan with an empty credit card. For example, an installment loan with an empty credit card means you can apply for a shopping installment loan when your credit card limit is almost used up. You can choose 6-month or 12-month equal installments. The repayment method is free of bank interest and does not occupy the original credit card consumption limit. (The cardholder has no overdue repayment record in the past three months).

How to get a blank credit card loan

The blank credit card loan is processed in the same way as a conventional credit card loan. You can apply directly online or go to the counter.

Will Guizhou Bank’s credit card being emptied every month affect the loan?

It will not have a direct impact.

Under normal circumstances, as long as the credit card is not overdue and the credit report is good, an empty card will not directly affect the mortgage loan. But we all know that banks are strict in approving mortgage loans. In addition to checking the applicant's credit report, the applicant's repayment ability and debt ratio are also key factors to examine.

The approval of bank mortgage loans is mainly based on the credit report and income level to determine whether the borrower has sufficient repayment ability. If the credit cards are all used up, it means that the debt is relatively high. It will affect the approval of bank mortgage loans. If you buy a house and apply for a bank mortgage loan, it is best to pay off all credit card debts. If you can't pay off your credit card debt, it's okay to have enough income and assets to offset the debt. The mortgage loan in my name is from the Postal Savings Bank. When I applied for the mortgage, I had multiple credit cards that were not paid off, but the mortgage was still approved.

What is a credit card empty loan?

No. 1: To cash out the credit card limit, there are many non-financial institutions that can cash out. This kind of cash out can only use your credit card itself. Swipe the full amount of the credit card to get it out, and then the party who swipes the card will give you cash immediately, but there will be a handling fee ranging from 1.5-3.

No. 2: This is the empty card cashout mentioned by the poster, which means that the credit card limit you currently hold has been emptied, but you can still withdraw money, and it is 2- of your credit card limit. 3 times. However, cashing out empty cards is currently limited to China Merchants Bank and China Minsheng Bank. Moreover, the handling fee is relatively high, with the highest reaching 25 and the lowest being around 15. Usually the intermediary takes you to some merchants such as Suning Appliances or Gome to buy electrical appliances and pay by credit card in installments. Then the intermediary gives you cash and charges a handling fee. As for the purchased goods, the intermediary will return them to the mall through some means.

This is the end of the introduction about empty credit card loans and empty credit card loans that can lend tens of thousands. I wonder if you found the information you need?