The credit card business of banks is generally one of the main businesses. Now all major banks provide loan services for their credit card users. For example, Bank of Communications provides angel loans to young customers, and the installment fee is lower than that of credit cards. Then, what about the credit card loan of Bank of Communications and the angel loan? What are the characteristics and advantages? Let me introduce you.
1, ultra-low rate
The monthly interest rate of angel loan is the annual real interest rate, and the installment principal and installment fee are charged monthly. The monthly installment fee of loan 10000 yuan is the lowest in 35 yuan. But the prepaid fee is charged, so there is no need to pay in advance.
2. Credit card integration
Users without Bank of Communications credit cards can also apply for angel loans. If the application is successful, the Bank of Communications credit card will be issued and the angel loan line will be obtained, killing two birds with one stone.
3, a wide range of uses.
In addition to real estate transactions, angel loans can be used for consumption (decoration, home appliances, etc. ) Above 500 yuan. In addition, other projects designated by the Bank of Communications according to the regulations of the regulatory authorities and risk policies cannot be used. Please contact customer service for details.
4, convenient and fast
Angel loan adopts online self-service application, and it can be approved as soon as the same day, with a maximum amount of 300,000. After the application is successful, you only need to activate the angel loan to use it. Download and use the "Pay the bill" app to check the repayment account. 7×24 hours online service saves money, time and effort.
5. Flexible repayment
The monthly arrears are included in the credit card bill. The credit card is returned, and the angel loan will be returned immediately. It doesn't matter if you don't send it for a while You can enjoy a maximum of 6 months of deferred repayment, which can relieve the loan pressure to the greatest extent.
Can I buy a car with a credit card loan from Bank of Communications?
Q: Can I borrow a car loan with the Bank of Communications credit card?
A: Yes, the "e-car loan" of Bank of Communications is a way for consumers to spend their cars. Anyone with full civil liability can apply for a car loan as long as he has no bad credit record.
Bank of Communications credit card auto loan related processes are as follows:
(1) individual housing loan application form;
(2) Identification certificates of the borrower and spouse (resident ID card, passport, household registration book, etc.). ) and marriage certificate;
(3) Contracts or agreements for the purchase and sale of vehicles;
(4) the first payment voucher for the vehicle;
(5) Proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). );
(6) The ownership certificate of the loan mortgage guarantee, and the certificate that the person with the right of disposition agrees to mortgage;
(7) Other supporting documents or materials required by the lender.
What's the name of the credit card loan of Bank of Communications?
They are angel loans, enjoy loans, if you want to divide them, cash in advance, cash installment, revolving credit and commercial installment. Angel loan is a loan product specially designed by Bank of Communications for young customers aged 24-35, with college education or above and stable jobs.
Can I get a loan with Bank of Communications credit card?
Credit card does not provide loan function, but if you are in urgent need, you can use credit card to pay in installments and withdraw cash. If you can't pay the full amount at the moment, such as buying a car or large electrical appliances, you can apply to the bank for installment payment. There is no interest on installment payment, but a certain handling fee will be charged. The specific handling fee depends on what you buy.
If you are in urgent need of cash, you can use a bank credit card to withdraw cash, but the withdrawal amount of each credit card is limited. In general, you can withdraw up to 50% of the credit card amount. For example, your credit card limit is 10000 yuan, and you can withdraw up to 5000 yuan.
In addition to the handling fee, traffic credit card overdrafts have to pay interest and do not enjoy interest-free treatment. From the date of overdraft withdrawal, you will get cash interest, with a daily interest rate of 0.5 ‰ and monthly compound interest.
This concludes the introduction of whether there is a loan on the Bank of Communications Credit Card and the Bank of Communications Credit Card. I wonder if you found the information you need from it?