Credit cards can not only be used for consumption, but can also be used for loans. This is also an invisible benefit for cardholders. Friends who need capital turnover recently can try it. Regarding credit card loans, the editor of Jintou introduces credit cards Are there any precautions for loans?

1) Processing channels: Many banks’ mobile banking, credit card APPs or credit card WeChat public signals can be processed. Taking public signals as an example, click Borrowing on the bottom menu bar to advance consultation. , just apply according to the prompts.

2) Processing time: It can only be processed once a month. There is no specific processing time, but it is recommended to process it after the credit card bill date. Although credit card loans may be opened separately, However, the bill date, repayment date and credit card account are one day, and the interest-free period can be extended by processing the bill later.

3) Retention certificate: When processing a credit card loan, you must choose the purpose of the funds, and you must be prepared to submit it to the bank after processing. Consumption certificate. It is generally required to be submitted for 3 months. If the consumption certificate cannot be submitted, the loan may be suspended and the remaining principal and handling fee need to be repaid in one go.