1. If the credit card application is unsuccessful, will it affect future loans?

Process loan business normally. The application conditions and review standards for credit cards are different from those for loans. If a user fails to pass the credit approval, it does not mean that the user cannot pass the loan review. However, there should not be too many records of failed credit card applications. Too many such records will directly damage the user's credit score.

When the credit report is ruined, the review of the user's loan application will become stricter. Failure to pass the loan review may be caused by too many unsuccessful credit card application records.

Extended information:

Credit

Reason for personal credit report: Credit card is a credit payment tool issued by the bank, and the applicant’s credit report is very important. If it is or has an overdue record, the credit card application will not be approved.

If the applicant submits incomplete information and submits personal ID card information, he or she also needs to provide the bank with personal workplace, income, and other information. If the information is not submitted completely, the bank will not be able to repay the applicant.

The applicant's own qualifications are insufficient: For the bank's high-end credit card products, the bank's requirements are relatively high when applying. In particular, credit cards such as platinum credit cards and diamond credit cards are often launched for high-income groups, and personal income cannot be passed without card approval.

The debt ratio is too high: The user has applied for multiple loan products on other platforms, and the personal debt ratio is relatively high. At the same time, he cannot afford the credit card consumption and cannot be approved.

2. How to apply for a loan with a credit card and how to get a credit card loan

Credit cards are a very common way of advance consumption in people’s daily lives. Because credit cards are under the control of banks, they are not as popular as those on the market. Other lending platforms on the Internet are more reliable. Everyone knows that credit cards can also be used for loans. In addition, when applying for loans with credit cards, there is no loan interest rate, only handling fees. So how to apply for a credit card loan, and what are the methods of credit card loans? Let's study it together next.

1. How to apply for a loan with a credit card

Credit card loan conditions: First, you must have a credit card from the lending bank, and the card usage record is good. The loan amount must not be used for gambling, investment, etc., only Can be used for personal consumption.

Credit card loan process: call the bank customer service number - provide card information - bank review and credit.

2. Credit card loan methods

Credit card loan is a credit card installment business launched by banks. The loan amount 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, and the bank only charges a handling fee. The handling rates for different installments are Each one is different.

1. When buying a car with a credit card loan, the loan amount is between RMB 20,000 and RMB 200,000. The loan term is generally no more than 3 years. No interest will be charged after application, only installment fees will be charged.

2. Credit card shopping mall shopping installments. Users can use credit cards to pay when shopping in offline malls, or pay on e-commerce platforms such as JD.com and Taobao. When the amount is large, they can choose to divide it into 3 or 6 installments. , 12 or 24 installments, with monthly interest and principal repayments.

I believe everyone is already relatively clear about how to apply for a loan with a credit card. Overall, credit card loans are more reputable, because with the strong support of banks, there will generally be no problems during the loan process. But everyone still needs to pay close attention to their loan repayment time. Repaying on time is the most correct choice.

3. Where can you get a loan if you have a credit card?

As long as the conditions are met, you can use a credit card to get a loan.

If you have a CCB credit card, you can apply for car purchase installments (credit cards do not have loan business). 4S stores and brands (models) are designated to cooperate. You can bring your ID card, employment certificate or real estate certificate, and CCB credit card to a cooperative 4S store to fill out the car purchase installment application form. The 4S store will then hand over the information to China Construction Bank. After the application is approved, you will be notified to go to the 4S store to pay the down payment and go through relevant procedures; wait until the 4S store notifies you that you can pick up the car, and then go to the 4S store to pay the balance by swiping your card. From now on, the money will be repaid in monthly installments to the CCB credit card.