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What is the loan behind the credit card?

The loan behind the bank credit card

① Guangfa Finance can operate at a maximum of 3,

② Pufa Universal Fund can operate at a maximum of 3,

③ Traffic Enjoy Loan can operate at a maximum of 15,

④ CITIC New Express Dream Gold can operate at a maximum of 5,

⑤ Everbright Le Hui Gold can operate at a maximum of 3,

⑤ Minsheng Tongbao Card can operate at a maximum of 1 million. First of all, let's talk about the characteristics of bank loans:

▲ The amount of basic banks will average tens of thousands

▲ The interest rate of banks is low, which can be beneficial to customers' revolving loans

1. ICBC loans ICBC Easy Loan, Financing E Loan

ICBC's latest one should be that it can borrow up to 5 million yuan with a business license only two days ago;

ICBC consumer loan, ICBC easy loan, ICBC e-loan, etc? ICBC's easy loan is particularly troublesome. You have to have online consumption wages. Online banking or mobile online banking

2. CCB credit loan

CCB fast loan: 1 * * * There are three products, namely fast e-loan, financing e-loan and pledge loan

loan applicants: the access crowd must be CCB customers;

loan amount: the loan amount for ordinary customers is between 1, yuan and 5, yuan, and the maximum loan amount for financial and private customers can reach 5, yuan.

loan term: up to one year, which can be recycled.

loan interest rate: the annual interest rate is about 5.6%.

Features: interest is charged according to the actual number of days spent, and no interest is charged if not spent

CCB Longka Loan Bar: newly launched products, credit line and credit card line can be enjoyed * * *; The first batch of credit card-free users is 5-2,

CCB Cloud Tax Loan: for products of micro enterprises, the maximum amount is 2 million yuan, and the term is one year. Small and micro enterprises or individual industrial and commercial enterprises or business owners have good credit, and there is no record of overdue and interest arrears. Honest taxpayers can apply for

CCB Micro Fast Loan: the interest is 4.8, and the maximum amount is 5 million yuan a year. If there is a corporate account of CCB, business owners and enterprises. This is the same as personal quick loan, which is evaluated by the banking system. If it is not, there will be no < P > III. Agricultural Bank Credit Loan

① Agricultural Bank Netjet Loan: the second loan of mortgage, with a maximum of 3 million yuan and a maximum term of 6 months, can only be applied by invited customers, and the mortgage repayment will be limited in about 2 years. Applying for K-treasure ABC credit currency is beneficial to increase the amount

Reasons for the rejection of the approval of ABC Netjet Loan: The approval of ABC Netjet Loan is determined according to the comprehensive evaluation of the loan applicant, and the comprehensive scoring factors of the bank include:

1, credit

2, asset income

3, debt (expenditure)

4, family structure

5, and social status. Then the application for ABC's NetJet Loan will be rejected

② ABC's credit currency cracking method:

1. Download ABC's Pocket Bank

2. Operating steps: Click on the credit card-credit currency, which can be cashed out to Alipay

3. Note: the maximum amount is 1w. If you have a credit card, this amount is shared with your credit card, and it is best to intersect with ABC, for example. It is suggested to have a savings card of Agricultural Bank of China before withdrawing cash, and it is best to have 2,-4, yuan in the balance treasure

4. What should ABC do if it fails to withdraw cash from Alipay?

If your recent credit inquiry is overdue, sesame scores will drop, spending money, borrowing money, and cashing out overdue, which will affect the money's arrival in Alipay account. Therefore, I suggest that you use the punching card of Agricultural Bank of China or the better running savings card of Agricultural Bank of China. Fourth, traffic credit loans

Enjoy loans, angel loans, good cash loans, etc., and the next payment amount is as high as 15, yuan. Credit card channel "Pay the bill with Bank of Communications credit card"

5: Postal Bank Credit Loan

China Post Consumer Finance-China Post Wallet

1. Apply for China Post Consumer Finance in the app

2. Add this window to Alipay-Life Number

Download the mail in the app China Post Wallet and you can only apply for it if it costs 62 cents

. Not high-quality customers out of the new express line, but also enjoy the quota with dream money; Generally, the credit card limit is less than 1w, and it will be issued for at least 6 months, and the quality customers of about 3, will be able to issue

7: Everbright Bank Credit Loan

Everbright Instant Loan

Everbright Savings Card. You can set up a sunshine token, log in to Everbright Mobile Banking, and have a random loan, which will be approved or rejected every second

8: China Merchants Bank Loan

Merchants. The lightning loan is 5, yuan, and Zhaolian expects 3, yuan

1. The website directly applies for the loan online

2. Credit card customers apply for the cash installment of China Merchants' e-loan

3. Merchants' Zhaolian Finance-Good Term Loan

9: Ping An Credit Loan

Ping An I Loan, Ping An Consumer Reserve Fund and Oxygen Loan

The lending speed is fast on the same day. No materials, no door-to-door visits

1: Credit loan of China Guangfa Bank

Financial fund:

Generally, it can be 3 to 5 times of the original credit limit of the card

Information: Customer ID number and password inquiry

Operation: When the customer information is ready, ask directly if there is a credit limit. If there is a credit limit, call the customer service directly and transfer the financial fund directly to the savings card. This financial fund is. Please refer to the following instructions for details:

If you have financial funds, first transfer them to a savings card, and then deposit money for this customer or the customer will make installment. After the installment, call the customer service the next day and ask him to apply for financial funds again. Under normal circumstances, as long as you have done installment, you will definitely have financial funds (Guangfa likes customer installment)

E-second loan:

Guangfa Bank.

loan amount: 5~3 yuan.

loan interest rate: about 8.3%.

Suitable for applicants: wage earners and private owners.

interest calculation method: interest is calculated on a daily basis, without withdrawal.

Guangfa Excellent Credit Line and Free Loan

XI: Industrial Bank Credit Loan

Method 1: Billing Day Operation Method

The operation time is three days after the repayment purpose and three days before the billing day, and the operation period is five days.

operating rules: the account cannot be divided into any stages. Early settlement by installment is in operation. The card cannot be negative, and there must be a balance. The repayment amount must be twice the amount of this card. After consumption, the amount of this card (which is strictly stipulated by Xingye that only the amount of this card can be accounted by installments) is bound to the Industrial Savings Card. The repayment must be made by my Industrial Savings Card, and it will be recorded in the early morning of the next day. In the morning, customers need money immediately when they go to work. Be sure to remember the term: "The money you paid back for me is returned to the original account, and I need the money urgently." It must arrive in the account within 3 days. Just wait for the news

Method 2: Industrial Finance Card Loan Technology

First, you must have a Industrial Finance Card, and then go to the bank counter to open the savings card and bind it. Then go to the counter to sign the simple loan agreement of Xingyetong. Three hours after signing the agreement, log on to the online banking to inquire about the simple loan amount of Xingyetong and see how much it is. Then use the special machine of Industrial Bank and the operation method of ICBC Easy Loan to brush out the quota.

it is said that some people can make a minimum of 4, yuan and a maximum of 1.2 million yuan.

XII: Shanghai Pudong Development Bank Credit Loan

Shanghai Pudong Development Bank Shop Red Loan, Shanghai Pudong Development Bank Youth Loan, Shanghai Pudong Development Bank Dream Loan

Shanghai Pudong Development Bank Credit Loan:

Loan amount: 2, ~ 3, yuan.

loan term: up to one year.

loan interest rate: the annual interest rate is about 8.28%.

features: repayment can be made in advance without any charge.

XIII: Huaxia Bank Credit Loan

Name of the opening: Yi Dajin

Intermediary advertisement: Huaxia Bank's latest consumer loan will arrive on the same day at the earliest

Note: you can try it if you have Huaxia Bank credit card and are a quality customer.

XIV: China merchants bank-lightning loan

"lightning loan" is a mobile internet loan product launched by China merchants bank, featuring one-stop application and quick payment. Users can check the loan amount of China Merchants Bank's active credit through mobile banking, and the fastest arrival time is within 6 seconds.

people applying for loans: only customers who have been granted credit by China Merchants Bank are eligible to apply, otherwise, they cannot apply for this type of loan.

loan amount: the amount of personal payroll customers is less than 3, yuan, and the credit amount of business owners is generally less than 2, yuan.

loan term: individual customers are divided into one year and two years; Business owners are divided into one month, two months and one year.

loan interest rate: the loan interest rate of individual customers of lightning loans is within 4.2 per ten thousand per day, with an annual interest rate of about 15.12%, while the loan interest rate of business owners is between 4.2 and 4.8 per ten thousand per day.

features: the first one can apply for a loan at the mobile client of the bank. The loan approval time is short, no mortgage, no materials, mobile banking directly completes the loan application, and the funds arrive within 6 seconds after approval.

In addition, the lightning loan also has the function of "paying with it", and it can be repaid at any time and in advance through self-service channels such as China Merchants Bank's mobile banking and personal online banking.

XV. Bank of China -E loan

E loan is a personal online consumer loan method introduced by Bank of China, with online application, quick approval, online withdrawal and flexible repayment. This product is a credit consumption loan for China Bank to provide high-quality customers with full-process online services by using the Internet and big data technology.

people applying for loans: specially invited customers of China Bank.

loan amount: minimum 5, yuan and maximum 3, yuan.

loan term: the term of validity is 12 months, during which the borrower can use the credit line circularly.

loan interest: adjusted according to the personal qualification and the benchmark loan interest rate. Generally, the daily interest rate is .2% and the annualized loan interest rate is 7.2%.

the loan shall bear interest on a daily basis according to the actual number of days spent.

is the credit card and the loan behind it counted as a sum

yes. The loan behind the credit card is the credit card installment, which bears interest, and the monthly rate is between .4% and .75%. After the installment, each installment is repaid according to the loan bill of the credit card, which is a sum of money with the credit card.

what does it mean that there is a loan behind the credit card? How to pay back the credit card loan?

besides online shopping malls and offline stores, credit cards can also be used to withdraw cash, and the maximum withdrawal amount can reach 5% of the credit line. What puzzles many cardholders is, what does it mean to have a loan behind a credit card? How to pay back the credit card loan? Let's get to know it together!

what does it mean that there is a loan behind the credit card?

The loan behind credit card swiping refers to the credit card loan service launched by the bank. In essence, this is a credit card cash advance service, and the loanable amount is related to the credit line of the credit card, but not together. Assuming that the credit card limit of the cardholder is 2, yuan, the credit card loan limit that the cardholder can apply for will generally exceed 2, yuan.

Only users with credit cards can apply for credit card loan business. For example, the angel loan under the Bank of Communications, as long as the user successfully applies for the credit card of the Bank of Communications, can go to the bank outlets to apply for activation of the credit card, and simultaneously open the angel loan. Of course, credit card loans are also collected at the meeting, so everyone must borrow reasonably to avoid overdue.

how to repay the credit card loan?

if you APPly for a credit card loan and want to repay it, the cardholder only needs to log in to the mobile banking app, then find the "Credit Card Loan" repayment page and select repayment. Cardholders can also repay directly as credit cards, and the process is similar.

In addition, it should be noted that the loanable amount of a credit card is counted together with the credit line. Assuming that the cardholder's credit card limit is 2, yuan and the credit card loan limit is 5, yuan, it will be 7, yuan on the credit report. It is still helpful for cardholders to apply for other credit business in the future.

The above is the related content sharing of "There is a loan behind the credit card swiping", hoping to help everyone!