What is the Ruifeng Bank Large-amount Installment Card?

"The Fengshou Credit Card Large-amount Installment Card (hereinafter referred to as the "Instalment Card") is a card issued by the card issuer for eligible customers. A UnionPay-branded RMB personal credit card issued by the card issuer in which all or part of the purchase price of goods or services is divided into a number of installments (months).”

Ruifeng Bank Credit Card. How long does it take

Normally it is half a month, but the volume of applications has been relatively large recently, and the backend support department has been unable to keep up, so it is estimated to take about a month.

What is the minimum limit of Ruifeng Bank’s standard personal gold card 891?

The minimum limit of Ruifeng Bank’s standard personal gold card 891 is 10,000 yuan.

To apply for a China Merchants Bank credit card, generally the fixed limit range is ￥1,000-￥10,000 for regular cards, and the fixed limit range for gold cards is ￥10,000-￥50,000. The specific limit is The amount is subject to the audit results.

Factors that affect the limit:

Marital status:

It may be beyond the expectation of many cardholders. In many banks’ simulated review systems, other conditions remain unchanged. In this case, married people can get a whole level of credit improvement than single people, because people with families are more stable.

Working status:

Technical titles are witnesses of the customer’s working ability. For example, if engineers, economists, accountants, outstanding teachers, and lawyers of all levels become borrowers, their integrity will be affected. Higher; similarly, if the credit card user is engaged in a more stable industry, such as civil servants, doctors, power systems, etc., they will be more favored by banks, and their credit rating will be improved based on the level and years of work.

Financial ability:

The personal income certificate of the unit is a strong evidence, which can show the cardholder’s income expectations and whether the income is stable. If he is an employee in a high-income industry, More points will be added when rating, which is naturally beneficial to increasing the quota.

Housing situation:

This is a very important situation. If the credit card applicant owns a personal house, it proves that he has a certain financial foundation. In this case, the bank I am very willing to let him become a credit card user, and I am very willing to increase his limit.

Credit record:

Nowadays, the credit records of all banks are connected to the Internet. If the credit card user has opened an account in the bank in the past and has a record of funds entering and exiting, then some customers will have penalty interest rates. If the record is bad, the bank will consider increasing the credit card limit at its discretion; on the contrary, if the record is good, the bank will increase the limit smoothly.

Educational status:

The credit ratings of those with a high school education and a bachelor's degree will not change, but those with a graduate degree or above will have a higher rating.

Does Zhejiang Rural Credit Union Ruifeng Bank’s credit card have points for buying cars?

Although buying a car and the buyer are both consumption for the credit card, the *** of the two merchants The same feature is that the handling fee they pay is fixed, so the credit card will not give you a large amount of points. Hope it will be adopted.

Can Ruifeng Bank’s large-amount installment credit card be reused?

Hello, credit cards can be reused for large installments. As long as you repay on time without overdue payment, the credit card can be reused.

Why does Ruifeng Bank’s car loan card show available loans

The available loans displayed on Ruifeng Bank’s car loan card represent the current limit that can be used by the credit card. The limit of some bank car loan cards can only be used for car purchase installments, so even if there is an available limit in the card, the user cannot use the limit. Some banks allow users to use credit card limits, so if the car loan card has a limit, you can use it like an ordinary credit card for consumption. Due to different regions, the credit card installment car purchase services of different banks are different.

Ruifeng Bank car loan application conditions and procedures

Conditions: The applicant’s work unit and fixed residence are within the service area of ??Ruifeng Bank. The borrower must be the owner of the purchased vehicle. If the loan is for business or car purchase, a guarantor and mortgage are required.

Be able to pay the first installment of the car purchase as stipulated by Ruifeng Bank. Other conditions required by Ruifeng Bank. In the process, the borrower signs a car purchase contract with the dealer and pays the first installment of the car purchase. Ruifeng Bank accepts the application, conducts pre-loan investigation and loan review; Ruifeng Bank investigates and approves the car loan application; the bank issues the loan and the borrower repays the loan.

That’s it for the introduction of Ruifeng Bank’s credit card points.