What are the requirements for credit card loans?

Credit card loans refer to a certain amount given by the bank according to the credit status of credit card holders, who can use their credit cards for credit card spending. What are the conditions for a credit card loan? The following is the relevant content. What are the requirements for credit card loans 1

1. What are the requirements for credit card loans

1. General banks will stipulate that they must work in their current units for 3 months;

2. Individuals can only apply if they have no bad credit record and their monthly salary and income conditions reach a certain standard;

3. If you have used a credit card, just go directly to the bank counter, but the amount will not be very high;

4. The borrower is in good debt condition and has repayment ability;

5. Have a certain income and stable income, forming a stable bank flow.

Second, what is the meaning of credit card loan

Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.

the bank will increase the installment quota of the credit card according to the credit status of the credit card holder, so as to meet the demand of the cardholder to purchase the designated brand cars in installments at the designated dealer. The cardholder can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.

how to apply for a credit card loan

1. telephone application. Credit card loan is actually an overdraft of cash consumption of credit card. After applying to the bank, after approval, the bank can put the funds into the debit card given by the cardholder and use it. Call the relevant bank customer service and tell the bank customer service that they need a credit card to apply for a loan.

2. Go to the bank. You need to provide credit card information, such as card number, name, credit card loan purpose, etc., and wait for the bank to review your information. Whether the information provided is accurate or not needs to be confirmed by yourself. What are the requirements for a credit card loan? 2

1. Binding savings card for automatic deduction

Now many credit card issuing banks provide automatic repayment service, that is to say, if you have a savings card of this bank, as long as automatic deduction is set, the bank will automatically deduct it when the credit card is about to expire. But this premise is that there must be money in the savings card. If the amount of money in the card is too small to deduct, it will be very troublesome if it is overdue.

2. Repayment by online banking transfer

You can log in to personal online banking or credit card websites, and you can repay not only your own credit card, but also others with a few clicks of the mouse. In addition, personal online banking also supports inter-bank repayment. This method needs to be operated on a relatively private computer. You need to know the website address clearly every time you log in, and don't set a simple password. If the password is leaked, there is a risk that the account will be stolen.

3, mobile banking repayment

Mobile banking repayment is the most used by young partners at present. A credit card repayment method, as long as the bank client is installed on the mobile phone, you can easily repay with your fingers whenever and wherever. Because credit card repayment belongs to fund transfer business, for the sake of fund security, it is necessary to open advanced mobile banking.

It should be noted that the mobile phone can be operated in various occasions, so we must pay attention to the protection of passwords and the custody of the mobile phone. Once the mobile phone is lost, it must be reported to the mobile operator immediately, and the mobile banking service should be cancelled.

4. Alipay repayment

Alipay payment is familiar to people who love online shopping. Many people have become accustomed to this convenient payment method, and Alipay repayment is listed as the first choice for credit card repayment. In addition, Alipay promises to repay the account within 2 hours, but it must meet three conditions: first, the repayment is made by mobile phone, second, the repayment amount is less than 5,, and third, the repayment time is within the banking service hours.

5. Repayment by WeChat

At present, there are two ways to repay by WeChat credit card, namely, skip to online banking or mobile banking for credit card repayment, or make repayment through bank WeChat WeChat official account dialogue WeChat. It should be noted that WeChat can only directly repay the credit card through the bound savings card. In addition, there is no handling fee for using WeChat to repay, and the single and daily limit is 2, yuan, and the monthly limit is 5, yuan.

6. Online repayment of credit card management APP

The advantage of using Kaniu credit card management APP for online repayment is that a mobile phone software can be used to check the basic information of personal accounts-repayment reminder-such as billing date, repayment due date, total amount to be repaid in the current period, and minimum repayment amount, which can be completed in a few steps, without jumping back and forth on the mobile phone interface, and checking the credit card arrears, and you need to memorize it carefully every time the bill has a decimal point.

7. Counter or ATM repayment

At present, this repayment method is rarely used by people, and it is generally used by elderly or conservative people. It should be noted that when an ATM machine uses another bank's debit card to transfer money to a credit card for repayment, the transfer amount is an integer multiple of 1, and the transaction limit is the same as that of the existing transfer bank UnionPay ATM withdrawal transaction limit, with the maximum daily limit not exceeding 2, yuan, and the handling fee is deducted from the transfer card.

8. Repayment in Lacarra, a convenience store

Repayment in Lacarra is a convenient credit card repayment service. At present, the number of convenient payment points in Lacarra has grown to nearly 9 cities, with more than 3,. They can be found in convenience stores, supermarkets and community stores. There is a uniform charging standard for credit card repayment in Lacarra: at present, only China Bank (except Shenzhen), Agricultural Bank, Bank of Communications, Industrial and Commercial Bank of China, Bank of Beijing and China Construction Bank (the bank's card repayment is free of charge) charge 2 yuan for credit card repayment, and other banks have no charge for the time being.

installment repayment is more favorable

If the funds can't be turned around for a while, you can also consider using installment repayment to repay the arrears. Although installment repayment does not generate interest, it has to pay a handling fee. The handling fee here is actually the "interest" charged by the bank in disguise.

At present, most banks provide cash installment services in three, six, 12 and 24 installments, and some banks also provide installment services as short as one month and as long as 36 installments. As for the handling fee rate, the situation of each bank is not the same, but the overall difference is not big. Take 12 periods (that is, one year) as an example, which is basically between 7.8% and 9% annualized. Take China Merchants Bank [-.56% fund research report] as an example. Cardholders can apply for bill installment, and the third installment fee is 2.6%, the sixth installment fee is 4.2%, and the twelfth installment fee is 7.2%, which will be collected in one lump sum at the first repayment. What are the conditions for a credit card loan? 3

First, the advantages of a credit card loan

How to borrow a credit card? What is the process? It is also very important to understand the advantages of credit card loans for such problems. Using credit card for loan approval is very fast. According to the different regulations of different banks, it can be successfully handled in one to two working days. Moreover, the procedures are very simple. You can apply for and handle the loan by telephone or online, which greatly facilitates people's handling process and effectively meets people's loan needs.

second, credit card loan processing flow

1. Apply to the bank

In order to effectively carry out credit card loans, the most direct way is to apply to the bank effectively. However, due to the regulations of the bank, when applying, it should be called cash installment application instead of credit card loan.

2. Provide valid information

When applying to the bank, the customer service staff will ask the user some questions.

(1), that is, the card number of the credit card, the name of the user and the three digits behind the credit card, that is, the CVV code.

(2), it is to know what the purpose of the user's application for cash installment is.

(3) To confirm the number of cash installments, the customer service will give a detailed introduction to the user, including the handling fee rate, which should also be understood under the explanation of the customer service staff, and then the user will choose the appropriate number of installments to repay according to the actual situation.

3. Auditing that the bank needs to do

After the user applies for cash installment, the bank will effectively audit the user's application, including auditing the user's personal data, such as whether it is handled by himself and whether the personal data is accurate, and also auditing the user's loan amount, which is closely related to the user's usual credit record and repayment situation.