Which bank has a credit card (debit card) so I can apply for other loans?
China Construction Bank, Industrial and Commercial Bank of China, and Bank of Communications have credit cards (debit cards) for applying for other loans. These banks have different credit card (debit card) loan products. For example, Bank of Communications' credit card (debit card) loan products are mainly Haoxiangdai and Angel Loan. The minimum limit starts at 1,500 yuan, which does not conflict with the credit card (debit card) limit. You can withdraw cash or spend online. The maximum repayment period that can be applied for is 2 years, and you can choose installments, but the borrowing interest is higher than that of a credit card (debit card). The borrower can choose the credit card (credit card) that suits him or her for a loan based on the credit card (credit card) in his hand. Can I get a loan with a Guangfa Bank credit card?
Yes, Guangfa Bank credit card holders can apply for wealth management services on the APP or by calling the Guangfa Bank Credit Card Center.
The following conditions must be met to use Guangfa Credit Card small loans:
1. There is an age limit for applicants, who must be between 18 and 65 years old.
2. You must have a local household registration certificate. If you are from outside, you need to provide a valid residence certificate as a supplement.
3. Have a stable income to ensure your ability to repay.
4. Must have a good credit card usage record.
As long as the borrower meets the above loan conditions, apply for a Guangdong Development Bank credit loan to Guangdong Development Bank and submit the above relevant supporting materials. ,
After passing the bank review, go through the corresponding Guangdong Development Bank credit loan procedures and sign a loan contract. Finally, Guangdong Development Bank will issue the loan to the borrower's designated account.
Extended information:
A simple and popular understanding of a loan is borrowing money that requires interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.
Banks invest the concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.
Credit Card (English: Credit Card) is a non-cash payment method and a simple credit service.
A credit card is generally a plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 0.76 mm (the size is defined by the ISO? 7810, 7816 series of documents). The bank or credit card company determines the card according to the user's creditworthiness and Financial resources are issued to the cardholder. The cardholder does not need to pay cash when using the credit card, and will repay on the billing date (Billing?Due?Date).
Except for some credit cards combined with debit cards, general credit cards are different from debit cards and ATM cards in that credit cards will not directly deduct funds from the user's account.
History
The earliest credit payment appeared in the capitalist capital of Britain at the end of the 19th century. Around the 1880s, it was aimed at wealthy people buying expensive luxury goods but not carrying them with them. To carry so much money, the British clothing industry has developed a so-called credit system. Using record cards, you can bring popular products back early when shopping. The tourism and business sectors have also followed this trend to seize business opportunities.
However, the cards at that time could only be used for short-term commercial credit in specific places. The money still had to be paid as and when used. It could not be in arrears for a long time, and there was no credit line. It relied entirely on the capital credit of the wealthy population. design. In the 1950s, the first credit card for the public appeared. Frank McNamara, a credit expert in Manhattan, was dining in a restaurant. Since he did not bring enough money, he had to ask his wife to send money.
This made him feel very embarrassed, so he organized a "Diners Club" (English: Diners Club, which is Diners Club). After anyone is approved to become a member, he can bring a dining charge card to the restaurant. You can record your purchases at designated 27 restaurants without having to pay cash. This is the earliest credit card.
Since then, as more and more cooperation partners have been signed, the scope of temporary overdraft services has also become wider and wider. People have also become accustomed to this convenient transaction method without having to carry cash, which has promoted the popularity of bank credit cards. Arriving in the United States, Franklin National Bank was the first bank to issue a credit card, and other U.S. banks later followed.
Application
In most cases, citizens with full capacity for civil conduct (citizens over 18 years old in China), with certain direct financial resources, or without direct financial resources College students (only undergraduates, and some banks are limited to key universities in China’s “211 Project”) can apply for a credit card from the card issuing bank.
But now, in China, the Banking Regulatory Commission has strictly controlled students' credit card processing behavior to prevent students without stable financial income from abusing credit cards, overdrafting their credit cards prematurely, and becoming card slaves. Almost all banks have stopped issuing student credit cards or require student guardians to sign third-party repayment agreements.
Sometimes, legal persons can also serve as applicants. The application method is generally by filling out a credit card application form and submitting certain copies of documents and certificates to the card issuer. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.
Issuance
Usually banks will judge whether to issue a credit card to the applicant based on the application information, various aspects of the applicant’s information and financial situation, and the standards of each bank’s internal credit review policy. applicant. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.
The standards of each card issuing bank are also different. Therefore, the same material may be issued with different credit limits in different banks, different types of credit cards, and some banks may even approve it, but Some banks may refuse to issue it.
Specific application of laws in criminal cases of credit card management - China Law Network
Guangfa Bank
Credit cards - Peking University Legal Information Network Which banks have credit loans
Each bank has its own credit loan products.
1. China Construction Bank Quick Loan
China Construction Bank’s personal credit loan product is mainly “Quick Loan”. China Construction Bank Quick Loan can provide you with credit of up to 5 million yuan. It is mainly applied online and can be used for cash withdrawals, shopping, etc.
2. ICBC e-borrowing
ICBC e-borrowing can be ranked second in the latest top ten bank credit loan rankings. ICBC e-Loan can provide you with loans as low as 600 yuan and as high as 800,000 yuan, with a term of up to 5 years.
3. China Merchants Bank e-loan
China Merchants Bank e-loan is a bank credit loan product specially provided for China Merchants Bank credit card users. The loan limit can reach 300,000 yuan, and it can be used at any time Borrow and pay back instantly, and the payment speed is also very fast.
4. Bank of China E-Loan
BOC E-Loan is an online loan product of Bank of China. The entire process can be applied online. The loan limit can reach 300,000 yuan and the usage period is 12 months.
5. Bank of Communications Haoxiangdai
Bank of Communications Haoxiangdai ranks fifth among the top ten banks in credit loans. Bank of Communications Haoxiangdai's pure credit loan, the amount depends on the borrower's situation, and the repayment period is between 3 and 24 periods.
6. Minsheng Bank’s consumer micro-loan
Minsheng Bank’s consumer micro-loan is a series of loan products launched by Minsheng Bank. You can rely on your own social security and salary slips. Apply for a credit loan for tax returns, etc.
7. China CITIC Bank Xinmiadai
CITIC Bank Xinmiadai ranks 7th in the latest top ten bank credit loan rankings. CITIC Bank Xinmiadai can provide loans of up to 300,000 yuan to qualified customers, with loan terms as short as 1 month and as long as 12 months.
8. Pudong Development Bank Puyin Diiandai
Pudong Development Bank Puyin Diiandai can provide loans of up to 300,000 yuan to people aged 18-60, and the application process only costs about 3-5 minutes for everyone.
9. Agricultural Bank of China Online Loan
Agricultural Bank of China Online Loan is mainly a loan for specific customers, and you need to apply for a home loan at Agricultural Bank of China before you can apply. However, Agricultural Bank of China’s online credit loan ranks 9th among the top ten banks’ credit loans thanks to its features of online application, quick approval and instant loan and repayment.
10. Everbright Bank Suixindai
Ebright Bank Suixindai is currently at the bottom of the latest top ten bank credit loan rankings. Everbright Bank's Xixindai service group is people aged 22-55, and borrowers are required to purchase "personal loan guarantee insurance." Can I apply for a loan with a CITIC Bank credit card?
CITIC Bank can lend. However, the following conditions need to be met:
1. Provide loan information required by the bank. Borrowers need to provide proof of identification, proof of residence, proof of employment, proof of income and proof of loan purpose.
2. Submit a formal loan application to China CITIC Bank. Borrowers go to bank branches to apply and submit information. If conditions permit, they can also fill out a loan application online.
3. The bank’s repayment ability to the borrower. After filling out the loan application, the bank will generally review the relevant circumstances of the borrower and guarantor. If the loan conditions are met, the bank will notify the borrower to go to the bank again to fill in various loan forms.
4. Go through the mortgage guarantee procedures. Including guarantee contracts, mortgage contracts, etc., and handling mortgage registration related procedures.
5. The bank lends money in accordance with the loan contract.
Extended information:
CITIC Bank’s loan types
1. Personal real estate mortgage loans
Provide professional services for household consumption and business financing Services, providing users with five major product services: housing mortgage loans, real estate mortgage comprehensive credit, sequential loans, net worth loans, and property redemption loans.
2. New car consumer loans
Customers purchasing new cars can apply directly at the dealer for convenient and efficient approval
3. Used car consumer loans
Customers who purchase second-hand cars can apply directly for approval. Highly efficient and ultra-low down payment: the minimum is only 50% of the car price. Ultra-long term: up to 3 years. Rich choices: many cooperative brands and flexible loan methods
4. Financial asset pledge loans
Customers who hold financial assets such as certificates of deposit, treasury bonds, and wealth management. One-time credit limit is used repeatedly. Full coverage of financial assets. Asset appreciation while supporting liquidity
Xinhuanet-CITIC Bank: Natural persons who have paid taxes for two consecutive years can borrow up to 300,000 yuan