how to repay the e-loan of China Merchants Bank? Raiders are presented!

in China, besides state-owned commercial banks, joint-stock banks are also very popular with the public. Many friends have applied for the credit card of China Merchants Bank and applied for the e-loan of China Merchants Bank through the credit card. However, some friends are at a loss when they repay the money. Let's help you solve this problem today.

there are two repayment methods for China merchants bank's e-loan, one is to repay with the loan, and the other is to repay by installments. The specific repayment methods of these two methods are different:

Pay as you borrow

Friends who choose to pay as you borrow can repay the loan when they have spare money. In addition, after the monthly bill is produced, you can repay more than 1% of the bill amount, which will not affect your credit record.

installment repayment

Friends who choose installment repayment can repay the loan according to the monthly bill finance. In addition, installment repayment also supports everyone to pay off the loan in advance.

The repayment steps of e-loan of China Merchants Bank are as follows:

1. After entering the "Pocket Life" APP, everyone needs to log in to their credit card account first;

2. On the "My" page, you can find the "Audit and Repayment" entrance;

3. Click to enter, and you can find the e-loan bill of China Merchants Bank at the bottom of the credit card bill (China Merchants Bank e-loan has a separate electronic account);

4. Click "Repay Now" and everyone can complete the repayment online.

Precautions for repayment of E-loan of China Merchants Bank:

1. The overdue E-loan of China Merchants Bank is likely to affect everyone's personal credit information, so remember to repay on time;

2. The generation date of e-loan bill of China Merchants Bank and the credit card billing date are the same day, and the repayment date is also the same day;

3. Credit card debt and China Merchants Bank e-loan debt need to be paid off twice.

how to repay China merchants bank's e-loan

first, enter China merchants bank App, select the account overview on the home page, then find China merchants bank's e-loan account in the account overview, click on China merchants bank's e-loan account to enter, and you can see the remaining amount of China merchants bank's e-loan and the amount to be repaid, then choose to repay in advance, and enter the total repayment amount, so you can repay all at once.

it should be noted that the handling fee cannot be reduced for the early repayment of e-loan of China Merchants Bank. After the application for early repayment of e-loan by installment is passed, the outstanding installment payment and the remaining outstanding handling fee must be paid off in one lump sum, and the installment fee collected will not be refunded.

"e-loan" is a short-term cash credit business with daily interest for eligible cardholders provided by China Merchants Bank.

after successful application, the approved funds will be transferred to the debit card in the cardholder's own name. "E-Loan" has an independent bill, and its billing date is consistent with that of the personal card. The interest generated in each billing cycle will be summarized and included in the "circulating interest" of the current bill. Repayment needs to be made to the "e-loan" account separately. Currently, the repayment channels supported are: pocket life, mobile banking and online banking.

China Merchants e-Zhaodai is a credit loan product, which does not need guarantee and mortgage. Online application is subject to online review. After users pass the review, the lending speed of e-Zhaodai is relatively fast. When applying for this product, you need to check the credit report of the People's Bank of China. If the user's credit is poor, then you can't apply for this product. This product bears interest on a daily basis, allowing users to repay flexibly.

Of course, China Merchants E-Loan also supports users' installment repayment and minimum repayment, and users can choose any repayment method.

e-loan is an online loan product. E-loan invitation is a credit card exclusive large cash installment business, and its application premise is that users must have a credit card. But in essence, if you apply for e-loan, the loan amount will be credited to the user's bank card, and the money in the bank card can be withdrawn, which is the same as the cash loan in online loan products.

it's just that e-loan is in the form of credit card, not in the form of loan records, which is different from ordinary online loans.

how can e-loan of China Merchants Bank be repaid in advance?

e-loan can be repaid in advance. Users can find e-loan in the personal loan of China Merchants Bank App, and then click Repayment to make repayment. However, when repaying in advance, you need to pay off all installment fees and outstanding principal in one lump sum, and no fee will be reduced. If you choose the loan-as-you-go method, you can repay the loan at any time, and there is no other fee.

e The ways of early repayment of loans are as follows:

1. Apply for early repayment in the personal account of China Merchants Bank's online banking, and select the "repayment" option in the personal account after logging into your own account.

2. Download the mobile phone app of China Merchants Bank to make advance repayment for e-loan. After logging into your account, click the button of "Audit and Repayment" in the personal center, and then make advance repayment in this interface.

3. Call the customer service phone number of China Merchants Bank at 95555 to apply for prepayment, and follow the instructions of the telephone manual customer service.

operating environment:

brand model: iPhone13

system version: iOS15.

app version: 8..16

e-loan is a cash loan product provided by China Merchants Bank, which is a short-term cash credit business with daily interest for eligible credit card holders. After the application is successful, the money will be transferred to the valid one-card account opened by the cardholder in China Merchants Bank or the debit card of other banks supported by China Merchants Bank (the account opening certificate must be the same as that of the bank's credit card).

the money shall not be used for investment, such as house purchase, stocks, futures and other equity investments, but only for consumption, such as decoration, household appliances, wedding, car purchase, student aid, travel and medical treatment.

"e-loan" has an independent bill, and its billing date is consistent with that of personal credit card. The interest generated in each billing cycle will be aggregated into the "circulating interest" of the current bill. Repayment needs to be made to the "e-loan" account separately.

The timely repayment of E-loan of China Merchants Bank can improve the fixed amount, and its features are as follows:

1. Lightning loan: no materials, no mortgage, online application, and the application can be completed in 3 seconds at the earliest; ?

2. Exclusive line: independent e-loan account, exclusive cash line, up to 3W, separate billing and separate repayment;

3. For the first evaluation, the PBC interface will be called (which means that the credit report will be checked). If the evaluation is successful, an account will be added and the loan will be credited to a debit card at one time (supporting multiple banks); ?

4. Interest is calculated on a daily basis: the daily interest rate is .5% (.4% during the promotion period), and the e-loan can be paid off at any time, which does not affect the personal account;

5. Flexible repayment: only the minimum repayment amount is required every month, and the minimum repayment amount is calculated according to 1% of the total debt on the billing date. Pocket life application process: log in to the Pocket Life APP, select "Card. Payment" →e-loan, and you can try to apply. The system will give the audit results in real time.

How to repay the e-loan of China Merchants Bank

How to repay the e-loan of China Merchants Bank:

Operating environment:

Brand model: iPhone13

System version: iOS 15.3.1 <

2. after logging into China merchants bank account, select credit card-repayment management-automatic repayment setting.

third, then select your e-loan account.

Terms and conditions of China Merchants Bank's credit card e-lending business:

1. "E-lending" is a cash credit business provided by our credit card center for eligible cardholders. Cardholders can choose the repayment method of "repayment at any time" or "repayment by installments" when applying for "e-loan": if the cardholder chooses the repayment at any time when applying for "e-loan", after the application is successful, they will not enjoy the interest-free repayment period, and interest will be calculated on a daily basis from the trading day, and no extra handling fee will be charged; If the cardholder chooses "repayment by installments" when applying for "e-loan", after the application is successful, he/she needs to pay a certain fee in installments and enjoy the interest-free repayment period. The repayment amount of each installment and the current fee of the cardholder will be included in the credit card bill of this period.

2. This business is limited to the application of the main card holder of the personal credit card of the Bank, and only the holders of student cards, platinum installment cards, business cards, business cards, purchasing cards or supplementary cards are temporarily unable to apply.

3. Cardholders can apply for "e-loan" business through self-service channels such as mobile banking, online banking popular edition, online banking professional edition, pocket life and credit card customer service hotline (including sales hotline).

iv. the cardholder's application for e-loan business is deemed to have agreed and authorized the credit card center of this bank to know and inquire about the cardholder's own assets, credit standing and personal credit information from the legally established credit reporting institutions such as the basic database of financial credit information of the People's Bank of China and other relevant legal institutions in the process of reviewing his application for e-loan business or conducting subsequent risk management, and keep relevant information. The cardholder hereby agrees and authorizes the Credit Card Center of the Bank to collect, process, transmit and apply the cardholder's personal data. The cardholder agrees and authorizes the Bank to submit his personal credit information (including bad information) to the basic database of financial credit information of the People's Bank of China. The cardholder knows and understands the terms of this authorization, and confirms that the Bank has made corresponding explanations on this term at his request. The Bank shall be responsible for the confidentiality of the personal information of cardholders collected and used according to law.

5. after the cardholder successfully applies for "e-loan" for the first time, an "e-loan" account will be generated, and an "e-loan" electronic card will be issued at the same time. The card is only used for repayment, and no other transactions and card-related operations are allowed, and self-service channel inquiry is not supported for the time being.

VI. If the collection account provided by the cardholder is a Netcom account (Class II), a Netcom account (Class III) or a smart card (Class II) of the Bank, the cardholder agrees that the Bank will bind the debit card account with the cardholder's credit card account. After binding, the account balance limit of the debit card account, the transfer-in and transfer-out limit of funds between the debit card account and the bound credit card account shall be implemented in accordance with relevant laws and regulations and relevant regulations of the People's Bank of China.

This is the end of the introduction about how to repay the credit card by e-borrowing and how to use the e-borrowing money to repay the credit card. Did you find the information you need?