;?Credit cards are one of the main businesses of banks. Many users will have more or less understanding of them when applying for loans at banks. There are also many people who take the initiative to apply for credit cards at banks and have a relatively deep understanding of credit cards. Is it okay to reserve a loan of 8,000 with a Bank of Communications limit of 0? Is the reservation loan from Bank of Communications an overdraft? Let’s take a look!

Is it okay to reserve a loan of 8,000 with a Bank of Communications limit of 0? As long as the cardholder's Bank of Communications credit card available limit is more than 8,000 yuan, he can apply for a scheduled loan of 8,000 yuan. If the cardholder's current Bank of Communications credit card limit has been exhausted and the available temporary limit is 8,000 yuan, he can also apply for a reservation loan. Cardholders can check the specific limit by logging into online banking, mobile banking or the Bank of Communications Credit Card WeChat official account. However, cardholders need to be reminded that when applying for a scheduled loan, they must pay attention to repaying the loan on time. Appointment borrowing is a loan service of Bank of Communications. If it is overdue, it will be recorded on the cardholder's credit report, causing credit stains and affecting the cardholder's future credit business processing. At the same time, relatively high penalty interest will be incurred, increasing the repayment pressure on cardholders.

Is the Bank of Communications appointment loan an overdraft? Essentially, it is not an overdraft. The "reservation loan" of Bank of Communications credit card is a pre-borrowing service that can be carried out within the credit card limit. Overdraft refers to the "over-limit" service that can be used for consumption outside the credit card limit. The cash that can be borrowed under the pre-lending service cannot exceed 100 of the credit limit, and the amount that can be consumed with a credit card overdraft can exceed 10 of the credit card limit at most. For example, the cardholder's credit card limit is 20,000 yuan, the pre-borrow limit is 20,000 yuan, and the overdraft limit is 22,000 yuan. The above is the relevant content sharing about "Bank of Communications limit 0 reservation loan 8000", I hope it can help everyone!