Is the credit card bill loan real?
There is no such loan.
To apply for a personal loan from the bank, the borrower must fill in the application form in writing and submit the following information:
1. Valid identity document;
2. Residence Proof of address (household registration book, etc.);
3. Proof of personal occupation;
4. Proof of income of the loan applicant and his family members;
5. Other information specified by the bank.
Taobao fake credit card statement loan
Bills cannot be directly used as loan application procedures. But it can be used as a reference for loans.
And the loan is not fixed based on the amount of your consumption, but depends on many other aspects, such as the nature of your workplace, whether you are married, whether you have a house, whether you have a vehicle, how much your monthly salary is, etc.
However, compared to the same conditions, if you have a credit card, have a credit record for more than half a year, and have a healthy credit record, it will be easier for the bank to approve the payment. The amount will be correspondingly higher than that of a cardless person of the same level.
That’s all I can say. If you want to know how much you can borrow, please attach your detailed information so that industry friends can evaluate it for you.
Can the company forge bank deposit statements if it needs a loan and needs to increase business volume?
No, forging bank statements is illegal.
During the tax review, if it is found that funds are received and paid that are not recorded in the account, the reasons must be carefully searched. The inspected unit may have paid the transaction in cash, lent a bank account, the income was not recorded, misappropriated funds, or forged changes. Issues with bank statements, etc.
(1) Paying transactions in cash and evading taxes
According to the provisions of the national cash management system and settlement system, various amounts of income and expenditure of enterprises must be in accordance with the " According to the provisions of the Interim Regulations on Cash Management, cash shall be used within the prescribed scope, and all payments that do not fall within the scope of cash settlement shall be settled by bank transfer. Therefore, all monetary receipts and payments that occur during the operation of the enterprise must be transferred and settled through the enterprise's bank deposit account. In order to avoid paying taxes, companies use a large amount of cash transactions in daily transactions to conceal income and evade taxes.
(2) Lending bank accounts to help other companies and individuals evade taxes
Cash, avoid paying normal taxes, and transfer bank transfer checks to third-party bank accounts and withdraw cash to achieve the purpose of concealing income and evading taxes.
(3) Tax evasion by not recording income into accounts
Enterprises achieve the purpose of tax evasion by not recording income into accounts, mainly in two ways:
First, after the enterprise receives the funds, it does not perform any accounting processing in financial accounting and directly transfers the funds out in one go or in installments.
Second, after an enterprise receives funds, it does not conduct business income accounting in financial accounting, but records it in the name of loans or current accounts, and then writes it off in one go or in installments.
(4) Misappropriation of funds for private interests
Misappropriation of funds is more common in enterprises with relatively large capital stocks and flows and imperfect internal controls. This situation generally occurs when a fund payment first appears on the bank statement, and then is transferred back in one go or in installments. The fund payment may be made in cash, or it may flow to other units such as the securities business department.
(5) Concealing income and evading taxes by forging bank statements
Forging bank statements is more common in companies with imperfect internal controls. The management and control of corporate monetary funds should follow the principles of division of responsibilities, separation of transactions, internal audit, and regular job rotation system.
What impact does using fake credit card statements have on you?
Use your credit card normally and repay it on time. It will have no impact on your future loans. If you have a good reputation, you get bonus points.
What is a credit card bill loan?
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 address, Taobao Alipay account and password mobile phone number to apply for a loan from the lending institution, but the security cannot be guaranteed. 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 a 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 whose cards are in good condition are in normal condition; 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.