How to get a credit loan from the Agricultural Bank of China

First, users who meet the loan conditions need to submit a loan application to the Agricultural Bank of China and submit the information required for the loan to the bank for review; the bank accepts the user's After the loan information is provided, the application qualifications and information will be reviewed; after the bank approves the review, the applicant will be contacted to go to the bank branch to determine the loan contract and loan interest rate and then sign the loan contract; then the Agricultural Bank of China will issue the loan amount to the designated bank card inside the account.

Credit card loans refer to banks granting a certain amount of money based on the credit card holder’s credit status, and the cardholder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment. The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure. Handling fee: You do not need to pay bank loan interest when purchasing a car in installments with a credit card, but you will need to bear a one-time handling fee. Handling fee = installment amount

Loan term: The maximum term for installment car purchases is generally 24 months. Down payment: When purchasing a car by credit card installment payment, you generally need to pay a down payment of no less than RMB 30 of the car price. Limit: Each bank stipulates the loan amount for credit card installment car purchases. For example, China Construction Bank stipulates that the installment amount for car purchases ranges from 20,000 to 200,000. Credit card loan to buy a car is a credit card installment business launched by the bank. The credit limit that cardholders can apply for is generally 20,000-200,000; there are three types of installments: 12 months, 24 months, and 36 months; there is no loan interest rate for credit installment car purchases, and the bank only charges a handling fee. The handling fees for different installments Rates vary. Credit card loans for car purchases include zero interest in installments, preferential handling fees, no guarantee, and no mortgage. You also enjoy credit card points rewards, without the burden of high loan interest, and you are also exempted from the tedious mortgage procedures. You can apply for a specialized credit card by providing some materials to the bank. And just pay the one-time handling fee. The disadvantage is that the car models and prices are limited, but most commonly used models can be selected. Shopping mall installment is one of the bank credit card consumer credit services. That is, when credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into several installments, such as 3, 6, 12 or 24 installments. Pay in installments of several (months). Repay the amount on time according to the credit card bill in each period (month).

How to get a loan with an Agricultural Bank of China credit card?

1. Bring your ID card and credit card to a Rural Commercial Bank branch and deposit cash into the credit card through the counter for repayment.

2. Use a debit card to transfer and repay through the Rural Commercial Bank ATM machine or other bank ATM machines with the UnionPay logo.

3. Open Alipay on your mobile phone and click on Credit Card Repayment on the homepage. If you have not bound a Rural Commercial Bank credit card to Alipay, first click on Add Repayment Type, select Repay Credit Card, and then add the credit card according to the prompts. , you can start repayment. If a credit card has been bound, after entering the page, you can directly select the card to be repaid, enter the amount to be repaid, and click to confirm the repayment.

1. Activate SMS reminders for bank cards: This can be activated through bank branches. Cardholders can bring their bank cards and ID cards to the nearest bank branch to apply for SMS reminder services for bank card transaction information.

The steps are:

1. Bring cash, mobile phone, ID card, and bank card to the nearest bank service hall.

2. Get a number and queue up first, then ask the bank counter service staff at the business processing window to activate the "bank card transaction information SMS reminder service", and then hand over your ID card and bank card to the bank counter service staff. The bank counter service staff verifies the cardholder's identity and binds the cardholder's bank card to the mobile phone.

3. Verify whether the SMS reminder service is successfully activated.

Usually after binding the bank card to the mobile phone number, the bank will also verify the mobile phone bound to the service to see whether the service has been successfully activated. During verification, the bank counter service staff will ask the cardholder to use mobile banking to transfer money after payment. Generally, within a few seconds after the transfer is completed, the bound mobile phone will receive a reminder text message with bank card transaction information.

4. SMS reminder fees for bank card transaction information can be divided into three types: monthly, quarterly and annual. The annual subscription is more affordable. It usually requires a one-time payment for one year. After payment, it will be automatically renewed upon expiration. Some banks also promise to waive SMS reminder fees for bank card transaction information.

2. Cancel bank card SMS process: If you transfer the call to manual service, you need to verify your identity and then turn on the SMS reminder of ABC Online Banking. In some areas, cancellation cannot be done by phone and needs to be done through online banking or at the counter. SMS banking is different from mobile banking. SMS banking means that the bank sets some SMS commands according to different services. You use SMS to edit relevant information on your mobile phone and send it to the bank's SMS number for limited-time services.

Operating environment: Alipay app 10.2.38.8200

How to borrow money with an Agricultural Bank of China credit card

Borrowing money with an Agricultural Bank of China credit card is equivalent to withdrawing cash with a credit card. Common methods include :

1. Handling at the counter: Cardholders can bring their credit cards to the Agricultural Bank of China business hall, submit a cash withdrawal application to the staff, and then fill in the application form. After approval, the cash can be withdrawn.

2. ATM processing: Cardholders can bring their credit cards to the bank ATM, insert the credit card as prompted, enter the password, and then select the withdrawal operation to withdraw cash.

If you still have problems, you can call the Agricultural Bank of China and you will get a satisfactory answer.

Extended information::

1. Credit card loan

1. Credit card - swipe the card during the interest-free period

The main function of the credit card It is the overdraft function, which determines the credit limit based on the applicant's comprehensive credit score. The applicant can overdraft consumption within this limit. Compared with bank loan interest rates, credit card overdrafts during the interest-free period can save a lot of interest.

2. Credit card - cash advance

Cash advance is also a way, but cash withdrawals with credit cards will charge a higher interest rate on a daily basis (50,000 per day) , and there is also a certain limit for daily cash withdrawals.

3. Credit card - credit card cash installment

Credit card cash installment is through application. The bank sends money to the customer's bank card, which must be returned in installments, and a handling fee is charged for each installment. The cash installment limit is generally more than 50,000 yuan, and can reach more than 200,000 yuan, but it is not easy to apply for. The monthly income level of the bank's selected targets is more than 10,000 yuan, while the credit card limit is usually around 20,000 to 30,000 yuan, and the spending power and income level are good, the risk of lending to these customers is very small.

2. How to apply for a bank credit card loan to buy a car

1. Application conditions: Applicants need to have full civil capacity, have stable and legal economic income, and have a good credit record Only then can you apply for a bank credit card.

2. Application materials: Applicants need to prepare a copy of their resident ID card or military officer ID card, salary certificate, social security copy (paid for more than half a year) or other financial proof, including their own real estate certificate and their own car. Driving license, original documents for telephone, water, electricity and gas bills of the current place of residence in the past three months, etc.

What procedures and conditions are required for an Agricultural Bank of China credit loan?

Users who want to apply for an Agricultural Bank of China credit loan must pay attention to the following conditions:

1. The lender must have previously applied for an Agricultural Bank of China personal housing loan or paid provident fund records.

2. The user’s economic level must be stable, have a stable income, and have a record of on-time repayment. And users should have good personal credit records and no bad credit records.

3. Users must have legal and reasonable loan purposes.

4. The lender must agree to other conditions stipulated by the Agricultural Bank of China.

Credit card loans refer to banks granting a certain amount of money based on the credit card holder’s credit status, and the cardholder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment. The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure. Handling fee: You do not need to pay bank loan interest when purchasing a car in installments with a credit card, but you will need to bear a one-time handling fee. Handling fee = installment amount

Loan term: The maximum term for installment car purchases is generally 24 months. Down payment: When purchasing a car by credit card installment payment, you generally need to pay a down payment of no less than RMB 30 of the car price. Limit: Each bank stipulates the loan amount for credit card installment car purchases. For example, China Construction Bank stipulates that the installment amount for car purchases ranges from 20,000 to 200,000. Credit card loan to buy a car is a credit card installment business launched by the bank. The credit limit that cardholders can apply for is generally 20,000-200,000; there are three types of installments: 12 months, 24 months, and 36 months; there is no loan interest rate for credit installment car purchases, and the bank only charges a handling fee. The handling fees for different installments Rates vary. Credit card loans for car purchases include zero interest in installments, preferential handling fees, no guarantee, and no mortgage. You also enjoy credit card points rewards, without the burden of high loan interest, and you are also exempted from the tedious mortgage procedures. You can apply for a specialized credit card by providing some materials to the bank. And just pay the one-time handling fee. The disadvantage is that the car models and prices are limited, but most commonly used models can be selected. Shopping mall installment is one of the bank credit card consumer credit services. That is, when credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into several installments, such as 3, 6, 12 or 24 installments. Pay in installments of several (months). Repay the amount on time according to the credit card bill in each period (month).

That’s it for the introduction of how to get an Agricultural Bank of China credit card loan.