Enjoy loan is a large-scale consumption installment business provided by Bank of Communications for high-quality customers. You can apply in the following ways:
1. Pay the bill.
Log in to the billing APP, click "Enjoy Loan" in the credit management column, fill in the application information according to the page requirements, and submit it.
2. WeChat official account
Pay attention to the official account of WeChat WeChat "Bank of Communications Credit Card", enter the installment/loan credit page through the menu bar at the bottom, click Enjoy the loan-I want the loan, fill in the relevant information according to the page requirements, and submit.
In addition, Bank of Communications credit card holders can also directly call customer service at 400-800-9888 to apply.
For more information about how to apply for a good loan from Bank of Communications, please visit: See More.
How to apply for a good loan from Bank of Communications?
Bank of Communications took the lead in promoting "exclusive loans" in China, providing customers with additional exclusive quotas, with a maximum of 1.5 million. This quota can be widely used in household appliances, high-end department stores, famous watches and jewelry, home decoration, furniture purchase, high-end banquets, travel vacations, wedding photography, further training, education courses and other businesses, covering all aspects of life; All UnionPay line transactions within the designated merchants 1500 yuan or equivalent foreign currency will be automatically included in the credit line, and customers will automatically pay in installments, and the original credit line of customers can still be used as usual.
At present, only cardholders invited by Bank of Communications Credit Card Center can apply for good loans. The initial amount is 65,438+0,500 to 3,000 yuan, which can be divided into 65,438+02 periods or 24 periods.
If you want to apply for a good credit card loan, you must be clear about its charging standard. A good credit card will charge 0.72% of the full amount of the principal as a handling fee every month.
Example of rules: the single consumption of customers is 10000 yuan, divided into 12 installments, and the monthly formalities are in 72 yuan, and the total handling fee is 72 * 12 = 864 yuan.
Bank of Communications Credit Card Privileged Loan Application Method
1
1, activated immediately after receiving the call from the customer service specialist;
2
2. Log in to Bank of Communications credit card SMS password version online banking or certificate user version online banking to activate (you need to open SMS password version or certificate user version online banking service at the Bank of Communications counter first);
three
3. Log in to Bank of Communications and activate credit card and mobile banking;
four
Call the "Enjoy Loan" service hotline (9: 00- 18: 00 on weekdays) to activate.
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Instructions for Bank of Communications to apply for credit card loans.
1
"Privileged loan" refers to the business of providing exclusive installment quota (hereinafter referred to as "privileged loan quota") for the main card designated by the specially selected credit card holder of Bank of Communications, and automatically generating installment repayment plans for consumer transactions that meet the conditions stipulated in these Detailed Rules (hereinafter referred to as "this business").
2
If the selected cardholder is willing to apply, he can apply for this business through the designated credit card account recognized by the Bank of Communications customer service hotline, online banking, mobile banking and other banks. The Bank of Communications will finally decide whether to approve the application according to the credit status of the cardholder at that time.
three
When applying for business, cardholders need to set the initial amount of a single transaction and a fixed number of installments (hereinafter referred to as "initial amount") in the options set by Bank of Communications. The cardholder can modify the above settings within 90 days after approval (including 90 days, hereinafter referred to as "validity period"), but the modified scheme is only applicable to new consumption transactions thereafter.
four
After the business application is approved, the cardholder can give priority to using the credit line for consumer transactions within the validity period. Transactions in which a single consumption transaction exceeds the initial amount (hereinafter referred to as "original transaction", which is limited to RMB bookkeeping transactions, including overseas transactions and pre-authorized transactions through UnionPay channels) will be converted into installment transactions according to the number of periods set by the cardholder (hereinafter referred to as "installment transactions"). After the installment is successful, the cardholder repays the principal to Bank of Communications by installment and pays the installment fee. However, the following types of merchants considered by Bank of Communications and transactions with other high-risk merchants are not applicable to this business. The categories and list of merchants not applicable to this business may be adjusted from time to time. Cardholders can make specific inquiries on the Bank of Communications credit card website.
five
The cardholder can choose the upper limit of the credit line approved by the bank at the time of application (rounded to thousands and not less than the initial amount). During the validity period, the cardholder can apply for suspending the use of the credit line (partial suspension is not supported) or resuming the use of the credit line at any time. After the validity period expires, the credit line can no longer be used.
Cardholders do not need to apply for the original transaction separately. When each transaction is recorded, the installment plan is automatically generated according to the number of periods selected by the cardholder, and the principal and handling fee are charged every month. The actual installment amount (hereinafter referred to as "installment amount") is the amount obtained by subtracting the excessive repayment part (if any) from the original transaction amount. If the calculated amount is less than 65,438 yuan +0, the repayment will be made in full before the current repayment date without installment in 500 yuan. If multiple transactions need to be phased automatically on the same day, they will be executed in the order of posting time. If the unused credit line is insufficient for related party transactions, if the available credit line is sufficient, the consumer transaction will be completed in full with the credit line, but the installment repayment plan will not be automatically generated.
The highest monthly installment fee rate of this business is only 0.72%, and the fee is calculated according to the actual installment amount. According to the regulatory requirements, Bank of Communications can adjust the relevant handling fee rate after completing the necessary procedures such as filing and announcement of relevant prices. Cardholders can make specific inquiries on the Bank of Communications credit card website.
After recording the installment transaction, the number of installments is calculated from the first billing cycle. The installment amount and the amount recorded after the cancellation of installment do not enjoy the minimum repayment amount, and the cardholder is required to repay this part of the arrears in full every month.
The credit line cannot be recovered, and the used credit line will not be automatically recovered due to repayment, return, cancellation of installment and other reasons. Bank of Communications has the right to regularly review the credit line and its validity period for customers who have obtained the credit line.
The amount and number of installment transactions under this business shall not be changed; For transactions that have been divided into installments, the amount of each installment is not allowed to apply for installment again. Cardholders can apply for early termination of the installment repayment plan, but they need to repay the remaining principal and handling fee in one lump sum.
If the cardholder who has successfully used the credit line returns the goods, the returned money will be deducted from the installment arrears under this business first. The deduction rule starts with the installment amount of the last installment of the transaction that has been successfully phased for the first time and has not been phased out, and then deducts the money forward in turn until all the returned money is deducted.
The cardholder's designated credit card account is abnormal due to account cancellation, card withdrawal, account freezing and other reasons during the use of this business. , or Bank of Communications believes that its credit status has deteriorated due to reasonable reasons, or the account is illegal, violates regulatory regulations or is improperly used, making it no longer suitable for installment trading, and Bank of Communications does not need to notify. The automatic installment service of related party transactions can be stopped immediately, and all installment repayment plans under the account will be deemed to expire immediately in the above circumstances. The cardholder is required to repay the remaining principal and handling fee of each installment in one lump sum, and the credit line will be cancelled at the same time.
Cardholders who have applied for this business may not apply for or apply for other credit card installment business (such as installment treasure business) launched by Bank of Communications at the same time. In case of violation, Bank of Communications has the right to immediately cancel the cardholder's qualification for installment business, and implement it according to Article 12 of these Detailed Rules.
Bank of Communications only provides credit card installment financial services, not a supplier of related goods or services, and has no relationship with merchants such as agency, guarantee, partnership, joint venture, contracting, employment and franchise. The business behavior between the cardholder and the merchant, as well as the quality of goods or services, distribution, return, product liability, after-sales service and other related matters, are borne by the merchant. If there is a dispute between the cardholder and the merchant on the above matters, the Bank of Communications may assist the cardholder to settle it through consultation with the merchant, and the cardholder shall not refuse to repay the credit card arrears to the Bank of Communications because of the dispute with the merchant.
If the business needs to be significantly adjusted due to changes in laws, regulations or regulatory provisions, Bank of Communications reserves the right to terminate its business in advance according to regulatory provisions. Bank of Communications has the right to modify the terms and conditions of this activity within the scope permitted by the laws and regulations of China (including but not limited to postponing or terminating this activity in advance, and modifying the charging standards, etc.). ), which will take effect after being published on the Bank of Communications credit card website or other relevant channels. If the cardholder has any questions about the terms of this activity, he can ask the Bank of Communications to explain.
What are the ways for Bank of Communications to apply for a good loan?
1. Apply through online banking of Bank of Communications. Log on to Bank of Communications Online Banking official website Online Application.
2. Apply through the customer service hotline of Bank of Communications. Bank of Communications credit card users can directly call the Bank of Communications customer service phone to apply.
3. Pay the bill officially through the Bank of Communications and apply for the APP. Download the bill payment APP, and after logging in, find a good loan in the APP to apply.
4. Telephone opening, that is, when Bank of Communications invites Bank of Communications credit card holders to open a good loan, follow the prompts.
How to apply for a good loan from Bank of Communications
1. The applicant applies to Bank of Communications.
2. Bank of Communications accepts the application.
3. The Bank of Communications conducts online review of accepted applications.
4. Bank of Communications will inform customers of the audit results.
5. Complete the loan signing.
6. The credit line given by Bank of Communications is very good.