How to get a quick loan of 5, yuan with ICBC credit card? Try this method!
in the eyes of many borrowers, ICBC exists as a god, mainly because of the high gold content of credit cards and the ultra-low interest on loans and installments. Let's just say that ICBC's fees and interest are the lowest among all banks, unless other banks have special activities or discounts.
Everyone should have a deep understanding of how difficult it is to borrow money nowadays. Borrowing money from relatives and friends is not cheap, and it is hard to ask. Therefore, I suggest that you apply for an ICBC or CCB credit card if you have the opportunity, and you must maintain a high frequency of use, and never overdue! Be sure to repay in time.
if I have an ICBC credit card, how can I get a quick loan of 5, yuan?
1. Keep the frequency of using ICBC's credit cards
No matter whether it has been used before, it must be used again, and the amount and frequency should be kept;
2. Financial assets
You can choose some ICBC wealth management investments, deposits, precious metals, etc., and invest a little appropriately;
3. Ronge Shopping Mall
If you want to buy something, or a friend wants to buy something, you can buy it by the way and place an order on Ronge Shopping;
once the preparatory work is almost done, you can apply for an e-loan from ICBC. The interest rate of this product is extremely low, and you can make payments at a level close to the benchmark interest rate in case of activities.
Note:
1. The debit card for collection cannot be bound with the bank-securities transfer category, in case the loan is used for stock trading investment;
2. Generally, the credit line for E-loan is 8% of the credit card line of ICBC. If the credit card line of ICBC is too low and the application line is too high, it may not be successful.
application channel: all-deposit-loan-financing e-loan application
Pay attention to ICBC WeChat WeChat official account, and you can also submit an application
What are the requirements for applying for a credit card (debit card) with a line of 5,?
credit cards (debit cards) with a credit limit of 5, yuan are generally gold cards (credit cards) or platinum cards (credit cards). If you want to apply for these two types of credit cards (credit cards), the user must be at least 18 years old, have a good personal credit, have a stable job and income, and be able to submit valid financial proof documents. Among them, the financial proof documents include house property rights, motor vehicle registration certificate, personal tax payment certificate, etc.
Only users with excellent credit qualifications can apply for a credit card (debit card) with a limit of 5,, otherwise even if they apply for a gold card or a platinum card, the actual card approval limit may be less than 5,.
what is the credit card (debit card) limit of 5, yuan? Enough for a family for a year!
when we apply for a credit card (debit card), we are very concerned about the amount. However, the credit card (debit card) quota is high or low, and the applicant's qualifications are different, and the card approval quota is also different. However, if it can have a quota of 5, yuan, it will be envious of others. Some people here may not know much about this credit card (debit card) limit of 5,, and I don't know what level it is. Let me introduce it to you.
what is the credit card (debit card) limit of 5, yuan?
judging from the consumption level, 5, credit card (debit card) is generally enough for you to equip a whole house with household appliances. Of course, your requirements are not too high. If it is not 1, yuan, it will be almost the same. In addition, the quota of 5, yuan allows you to travel abroad; If it is for household use, the 5, quota can be said to be the annual expenditure of some families, so this quota can be said to be relatively high.
judging from the credit card (debit card) quota, 5, yuan is considered as a large credit card (credit card), and most of them can only be reached by high-end cards with platinum cards or above, but this kind of credit card (credit card) has strict qualifications for the applicants. In addition to meeting the basic conditions for applying for a card, the applicant also needs to provide sufficient financial proof such as real estate certificate, car production certificate and large deposit certificate, so as to prove to the bank that he has sufficient repayment ability and can only apply for it after being approved by the bank.
what should I do if the bank does not approve 5, cards?
and if the bank's card approval quota is not high, there is a way to reach the quota level of 5, yuan.
in this case, the credit card (debit card) needs to be raised to 5, yuan by raising the credit card. However, the process may take a long time. I have compiled several skills to increase the limit for your reference:
First, you should increase the activity of your credit card (debit card).
That is, credit cards (debit cards) are frequently used for spending. Where credit cards (debit cards) can be used, cash is definitely not used. After all, credit cards (debit cards) are used for spending. What's the use of holding them without using them? Don't tell me to take cash, this is not allowed by the bank.
secondly, we should pay attention to the diversification of consumption.
Diversified consumption can be said to be the key to increase the quota. After all, banks can know your lifestyle and consumption level through your consumption patterns, so when swiping credit cards, you must ensure diversified consumption, including department stores, supermarkets, restaurants, entertainment and hotels.
then, don't let go of the temporary quota.
Generally, when the card is in a normal state, a good card use behavior is developed. After 3 months of card opening, a temporary credit line will be issued. You can use the temporary credit line to let the bank know that the fixed credit line can't meet your consumption demand, and the credit line may be increased.
In a word, the credit card (debit card) limit of 5, yuan is a relatively high level, which can provide great help to cardholders when they need a large amount in the future. Therefore, if you want to reach this level, I suggest that you can increase the limit through the above methods, but don't blindly pursue a high limit.
how much is a credit card (debit card) that borrows 5, yuan per month?
the monthly repayment of 5, yuan by credit card (debit card) depends on the installment rate and the number of installments, so as to know the specific monthly repayment amount. Here, take China Merchants Bank's credit card (debit card) as an example, the handling fee rate for the 12th installment is 5.5%, and the monthly repayment amount is 4,395.83 yuan, including the installment fee of 229.17 yuan.
of course, the above installment calculation is based on the rate and repayment amount, and the final repayment method and amount are subject to the bill.
How to get a loan of 5, yuan from a bank
It is recommended to choose a formal channel to Apply for a loan. If you need to apply for a small cash loan, China Merchants Bank has launched a lightning loan business. At present, you can apply through the mobile banking app or check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be distributed to the designated account, and the funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Borrowing → Lightning Loan" to apply for lightning loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit limit does not exceed 3,, which is subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the Mobile Banking APP of China Merchants Bank or the "Lightning Loan" module of online banking to check your maximum application amount. The minimum amount of a single withdrawal is 1 yuan, and the maximum amount does not exceed the limit, and it needs to be an integer multiple of 1.
4. There are two ways to apply for lending within the lightning loan limit:
(1) lending within 15 minutes will be automatically approved within 5-1 minutes, and the loan will be released immediately after it is approved, and the result will be informed by SMS
(2) there will be a phone call to verify the loan within T1 days, and the loan will be arranged after the information is confirmed. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5-1 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
② There will be a query record on the credit information when the lightning loan is established. If you only succeeded in establishing the amount, but did not withdraw money: there will be no record of the amount in the credit investigation; For each subsequent withdrawal, there will be a new loan record in the credit information.