Some of the 5 online loan platforms that provide loans with credit cards can even grant loans for 4 years!

Nowadays, credit cards are very common in our country, and many people have 3-4 credit cards in their names. While everyone uses credit cards for overdraft consumption, they also use credit cards to apply for loans. So, what are the online lending platforms that use credit card loans? Today, I will introduce to the majority of credit card holders 5 platforms that meet everyone’s requirements.

Tiqianhua

Tiqianhua is an online loan platform of Zhongyuan Consumer Finance. You can try it if you have a good credit card usage record. The loan limit for Qianqianhua can reach 200,000 yuan, and online applications are available 24/7.

Ping An i Loan

The fastest review time is 3 minutes. The results can be reviewed immediately after submitting the application. The daily interest rate of Ping An i Loan is approximately Applicants must be over 18 years old, have a stable job with a salary of more than 3,000 yuan, have worked for at least 6 months, and have good credit.

Xiaomi Loan

Xiaomi Finance’s small loan product can lend up to 200,000. You only need to install the Xiaomi Loan mobile APP and verify your personal information to apply. Some users may not have permission. , the daily expected annualized interest rate is based on daily interest calculation, and monthly repayment is in the form of equal principal and interest.

Weilidai

The mobile credit loan of Weizhong Bank, a subsidiary of Tencent, can be accessed only if it meets the opening conditions of Weilidai. The maximum amount can reach 300,000 yuan, and the loan interest is daily interest. The annual interest rate is approximately 18%.

Jingdong Gold Bar

The loan limit of Jingdong Gold Bar is relatively large, up to 200,000 yuan. You can borrow money by binding your bank card or credit card. The better your credit, the more credit you will get. The larger the amount.

Interest is calculated on a daily basis, and the daily interest rate is between. Generally speaking, the better your personal credit, the lower the loan interest rate will be.

Here are the popular loan platforms where credit cards are available

Using credit cards to pay can solve the problems in the daily lives of cardholders. Many young people use credit cards for consumption. If your credit card limit is not enough to meet your consumption needs, you can also apply for a credit card loan with a higher limit. So, what kind of loans can you get with a credit card?

1. Huanbei

Huanbei is a platform that allows you to borrow money with a credit card. The maximum credit limit is 50,000 yuan, and the loan can be repaid in up to 12 installments. However, it should be noted that the limit applied for by Huabei can only be used to repay credit cards, and cannot be used to withdraw cash from bank cards.

2. Hengyidai

Hengyidai is also a platform where you can borrow money with a credit card. The limit can be up to 200,000 yuan, and the loan can be repaid in 12 installments. The loan is issued very quickly. Kuai is relatively well-known among all online credit card loan platforms. There are many people applying and the card acceptance rate is pretty good.

3. Baoyin Consumer Finance

Baoyin Consumer Finance also offers credit card repayment products, so it is also a platform where you can borrow money with credit cards. The maximum limit is 50,000 yuan, and the maximum limit is 50,000 yuan. It can be divided into 12 installments. Like all credit card repayment platforms, the applied limit can only be used to repay credit cards and cannot be used to withdraw cash.

4. China Merchants Bank E-loan

Quality credit card customers of China Merchants Bank can be invited to open e-loan, which can be regarded as an exclusive cash installment product for credit cards, with an exclusive loan of up to 300,000 After the application is successful, the money will be transferred to the debit card, and you can repay it every month, which can be divided into up to 24 months. However, after using it, you will be locked up in a small dark room, and you will no longer be able to apply for cash installments, and you will not be able to increase your credit card limit.

The above are all loans that can be borrowed by credit cards. Card friends can apply for them.

What are the online loans that can be used with credit cards? Pay attention to these matters

Many people think that credit cards can be used to make purchases and withdraw cash, but they don’t know that credit cards can also be used to borrow money online. Especially if you can’t repay your purchases using credit cards, you can borrow money from online loans. Repayment. And there are many such online loans, which can help everyone avoid overdue credit cards. Let’s take a look at what they are.

What are the online loans that can be used with credit cards?

After the online loan we often use is successfully processed, the money is transferred to the provided collection savings card, and you can use it however you want. However, online loans that use credit cards are different. They can only be used for special purposes. The payment card provided when applying is a credit card, not a savings card. After the loan is disbursed, the money will be used for repayment in the credit card. If you want to withdraw it, you can only use the credit card. Cashed out.

So this point must be clear before taking out a loan, so as not to be in trouble if you originally borrowed money for other purposes but ended up having to pay off your credit card. If you plan to borrow money to repay a credit card, you can take a look at these online loans:

1. Huanbei Huanbei is an online loan operated by Chongqing Focus Co., Ltd. and Shuhe Technology to repay credit cards. They all have formal financial licenses, and I often see advertisements for Huabei in elevators. The slogan is "Interest only requires about 50% of the lowest annual interest rate for bank repayments." The maximum limit is 50,000. It has been online for 4 years. There are still many people applying.

2. Weilefen

Weilefen is a product of Tenpay Micro Loan. It is also an online loan that uses credit cards to borrow money. Users in need can follow it on WeChat The "Weilefen" public account is opened and used. However, Weilefen adopts a whitelist invitation system, and it can only be activated if it meets the conditions. If it cannot be activated, it means that it does not meet the requirements for the time being.

The last thing I want to say is that borrowing online loans to repay credit cards only treats the symptoms but not the root cause. It is best for everyone to control their consumption desires, consume within their capabilities, and at the same time find ways to increase their income. Address the root cause of the problem.

The online loans you must take out if you have a credit card in 2020 are regular ones

The following online loans are available:

1. Magpie Quick Loan, which is Laokouzi under Phoenix Financial Yes, the payment situation has been pretty good recently. In terms of application conditions, this bank only requires real-name verification of mobile phone numbers for more than three months. Anyone who holds a credit card or provident fund can lend money as long as there are no major overdue credit reports.

2. Shengbei is also a well-known online loan product. It is also an online loan product that must be purchased if you have a credit card. The maximum amount is 50,000, the cycle can be divided into 6-12 months, and the age is 18-60 years old.

3. Kakadai is owned by Weixin Jinke and is the same company as Doudouqian. Friends who know Kakadai must know that this is a relatively easy place to make money. The current maximum application amount is 50,000 yuan, and the maximum usage period is 24 periods. After submitting the information and passing the review, the payment will be made, usually the same day, and the interest rate is not high, so the repayment pressure is not great for users.

What are the credit card loan platforms?

The top 10 formal online loan platforms include Jiebei, Weilidai, Youqianhua, China Post Wallet, Toutiao Anxindai, and Meituan Living Expenses , China Merchants United Futures Loan, JD.com Gold Bar, Suning Financial and Ping An i-Loan.

1. A relatively good online loan platform

1. Jiebei

I believe everyone already knows Jiebei. Jiebei is a credit service under Alipay Brand, the maximum borrowing limit is 300,000, and the daily loan interest rate is 0.015%-0.06%.

The activation of Jiebei is by invitation. You can only activate Jiebei after receiving an invitation. The conditions for activation are 600 Zhima points and Alipay real-name system. Zhima Score mainly conducts comprehensive scoring based on the user's identity information, credit situation, personal connections, repayment ability, etc.

2. Weilidai

Weilidai is an Internet loan product launched by Tencent WeBank. The loan interest is calculated on a daily basis, and the daily loan interest rate is 0.02%~0.05%. Weilidai, like Jiebei, adopts an invitation-based activation method. Users can only activate Jiebei after receiving an invitation from Weilidai. Users can check whether Weilidai is available in their mobile QQ wallet or WeChat Jiugongge. .

I myself had business turnover needs before and used several products. The first one I applied for was Du Xiaoman Youqianhua (formerly Baidu Finance), which has a quota of exactly 10W (the platform supports up to 20W). , the interest rate is also very low (annualized minimum is 7.2%), which is still relatively low. All were proposed and divided into 12 issues.

Baidu Finance is a formal licensed consumer finance company, and there are no fees for the entire application process and payment.

Du Xiaoman-You have money to spend (batch in seconds), click to measure the amount online

Du Xiaoman-You have money to spend, pay special attention to:

1. You have money to spend You should withdraw money as soon as possible after exceeding the limit, because the limit may become invalid after a long time.

2. It is best to withdraw the full amount when withdrawing cash, because I read other people’s posts saying that if you withdraw too little, the system risk control may mistakenly think that you need it (or re-judge that you are not a high-quality customer). If you are rejected during the cash withdrawal process, it is safer to withdraw at least 60%.

After 3 periods, you can choose to settle it in advance. The interest will be paid as long as it lasts, and there will be no loss to us. We must first make sure to pay it forward.

The second one I applied for was 360 IOU. After all, they are big platforms, so I applied first. The limit is 5.5W, and the interest is about the same as having money to spend.

360 IOU can borrow up to 200,000 yuan!

Click to measure the amount online

There is also a trick to apply for 360. After simply filling in the information at the beginning, the amount that comes out is just a basic amount, such as 5000, 1W5, etc. If you feel that the amount is not enough To use it, you can directly apply for the exclusive loan without withdrawing cash. This is a large amount. As long as you have the basic limit, the exclusive loan will definitely be passed and the amount will be greatly increased. Moreover, the exclusive loan supports 24 periods. My basic limit is 9,000, and after upgrading to exclusive loan, it is 5.5W.

3. Youqianhua

Youqianhua is a credit product under Duxiaoman Financial, which provides personal consumption credit services to the public. Youqianhua mainly recommends Manyidai. The maximum limit of Manyidai is 20,000 yuan. The daily interest rate of Youqianhua-Manyidai starts as low as 0.02%. The interest rate on a loan of 10,000 yuan starts at as low as 2 yuan per day. At the same time, when applying, you must ensure the authenticity of the information you provide. Ensuring good credit is also a necessary condition for obtaining a better credit limit.

2. The conditions that need to be met for online loans are:

1. The borrower can provide an ID card.

2. The borrower can provide a residence permit.

3. The borrower is over 18 years old and has full capacity for civil conduct.

4. The borrower can provide personal bank statements.

5. The borrower can provide asset certificates required by other lending institutions.

6. Verify the borrower’s mobile phone number.

7. The borrower can provide proof of loan purpose.

There are more and more online loan platforms, making borrowing money more and more convenient, but it also leads to more and more overdue people. Many friends hate the collection, but there is nothing they can do. After all, they owe money Money, deal with losses first. Even if you want to negotiate repayment, it often fails. In fact, there are skills in negotiating repayment. Using some negotiation skills, the effect may be much better

This is the introduction of credit card online loans.