The credit card "loan" you mentioned is actually a credit card cash installment service. You apply for a credit card cash installment from the bank, and the bank lends you a sum of money. This money may or may not occupy the credit card limit, but is granted an additional loan in addition to the limit. You need to repay it in installments to the bank and bear certain handling fees. In essence, credit card cash installment is a short-term loan granted by the bank to the cardholder based on the credit card. It is usually limited to the cardholder's general consumption and cannot be used for investment activities.

1. China Merchants Bank

Application conditions: Credit card holders who have maintained full repayment for six consecutive months can apply;

Application amount: the minimum for a single application The amount is 2,000 yuan, and the maximum cumulative amount that can be applied for is 50,000 yuan, which will be credited to the China Merchants Bank debit card in the name of the cardholder;

Instalment rate: 0.95% for 3 installments, 0.8% for 6 installments, 0.8% for 10 installments, The 12th, 18th and 24th periods are 0.75%.

2. CITIC Bank Xinjinbao"

Application conditions: salary earners with a minimum monthly check-in salary of 3,000 yuan or more, first-tier cities in Beijing, Shanghai, Guangzhou and Shenzhen need 5,000 yuan or more, Nanjing, Second- and third-tier cities such as Xiamen, Suzhou, Tianjin, and Yangzhou must reach 4,000 yuan and above.

Application amount: The minimum amount for the first application is 9,000 yuan, and the maximum amount is 300,000 yuan.

Installment rates: 12, 24, and 36 installments are all 0.85%.