1. Bank of Communications quality customers apply through the channels of paying bills, official WeChat account and official website;
2. After approval, sign a contract with the bank to enjoy the loan, and determine the amount and number of the first installment;
3. During the validity period, the daily consumption scenario uses the Bank of Communications credit card to reach the installment amount, and the system will automatically enjoy the loan installment;
4. The cardholder can repay the loan on schedule or in advance.
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Note that the credit line cannot be used for real estate transactions, and it cannot be recovered after it is used up, so it needs to be reapplied.
First, you need to apply for a good loan from Bank of Communications. After the application is successful, you need to sign a contract with Bank of Communications, and set the initial amount and the number of installments. After signing the contract, within the validity period of a good credit line, the eligible single credit card consumption will be automatically phased according to the agreed number of periods. For example, when the initial amount is 1 1,000 yuan and the consumption is 1 1,000 yuan, the credit line will be automatically used first.
Bank of Communications' loan enjoyment is an installment loan business launched by Bank of Communications, and the maximum installment loan amount can reach 654.38+0.5 million. After the Bank of Communications applies for a good loan, it can automatically use the line of a good loan if it meets the conditions.
Enjoy the credit line is a single non-circulating line added in addition to the original line under the designated card. This limit does not participate in or affect the original limit of all credit cards under the cardholder's name, with a maximum of 1.5 million. This limit is valid for 90 days from the date of successful application.
Non-recovery of credit line means that the used credit line will not be automatically recovered due to repayment, return, cancellation of installment and other reasons.
Bank of Communications (full name: Bank of Communications Limited) was established in 1908. It is the oldest bank in modern China, one of the four largest banks in China and one of the early note-issuing banks in China. On July 24th, 1986, as a pilot of financial reform, the State Council approved the reorganization of Bank of Communications. 1987 after the reorganization, Bank of Communications became the first national state-owned joint-stock commercial bank in China, which was listed in Hongkong and Shanghai in 2005 and 2007 respectively. It is the first large state-controlled commercial bank listed overseas, and its headquarters is located in Shanghai. Bank of Communications is one of the major integrated financial service providers in China, and it is becoming a cross-market and international large-scale banking group with commercial banks as the main body. Its business scope covers commercial banks, investment banks, securities, trusts, financial leasing, fund management, insurance, offshore financial services and many other fields. On February 25th, 20 16, it was announced that from now on, the transfer and remittance business handled by customers through mobile banking will be free of charge, regardless of inter-bank or off-site. And promised to exempt domestic RMB online bank transfer and remittance fees for customers below 5,000 yuan.