Under normal circumstances, the bank will re-examine the credit status of the cardholder, and after the approval, it will give the cardholder a certain amount of credit again.
The Heartpass card of Changsha Bank is actually a credit card launched to meet the personal financial needs of customers when purchasing large-value goods or services. The funds can be used for a variety of reasonable personal and family consumption expenditure needs, such as car purchase, home improvement, wedding, tourism and so on. (It is forbidden to invest in the stock market, futures market, housing market, foreign exchange market, funds, insurance, bank wealth management products or other equity investments).
Changsha Bank Credit Card is a large consumption installment card with a maximum amount of 300,000, which can be phased.
Because the maximum validity period of the warm heart card is 3 years, customers can't use it after 3 years. And the card will not be automatically renewed after it expires. If customers need to apply for a new card, they need to re-submit the application materials for approval through Changsha Bank Branch two months before the expiration of the validity period of the card.
To successfully apply for a mind card, these conditions must be met: the age is between 22 and 55; Having worked and lived in the place where the organ is located for 1 year, and having worked continuously in the current unit for more than 6 months (inclusive); The monthly income after tax is not less than two thousand; Personal credit is good.
After handling Changsha Xinyitong Card, if you want to use the funds in the card, you need to ask for money first, and then you can withdraw money or spend it in a debit card after approval, and you need to repay it within the specified time.
Cardholders can apply for loans on the homepage of Changsha Bank's electronic banking, and click more-Warm Heart Card; Or log in to the new online banking, select the "Credit Card" section, and enter the "Warm Heart Card" of "I am a consumer" to apply. The minimum payment for each request is RMB 654.38+RMB 00,000 (inclusive), which should be an integer multiple of RMB1RMB 0,000.
It should be noted that when applying for a loan, you also need a letter of commitment for the purpose of the loan. The borrower needs to send a photo or scanned copy of the letter of commitment for loan purpose to bcsxykb@cscb.cn mailbox, and the email title is "Name+ID number+amount of loan application". If the fund exceeds 50,000, proof of purpose is required.
After the approval of Changsha Bank, the money corresponding to the installment request will be transferred to the mind card account, and the cardholder can transfer the money to the bank debit account with the same name and pay by himself, or make credit card consumption directly through the POS terminal.