what if I don't have a credit card yet?

The basic conditions for applying for a CCB credit card are: at least 18 to 7 years old and having full capacity for civil conduct; Have a stable occupation and income, be able to repay the principal and interest on time and have a good credit. You can apply through mobile banking, online banking, credit card official website and other self-service channels; Or bring my ID card and financial proof to apply at a nearby bank outlet.

How to borrow money without a credit card

First, provide proof of financial resources. Providing loan institutions with relevant assets certification materials such as bank running water, real estate, cars, etc., will be conducive to successfully obtaining loans.

second, find a person with good credit as a guarantee. If the applicant's financial situation is remarkable and his risk preference is moderate, the credit institution will ask the applicant to find a person with higher income than himself and who is local to the loan place as a guarantee to reduce the risk factor of this loan, which is also a common means for the loan.

third, provide real estate or car products as collateral. Lending banks are generally glad that you can provide real estate or car products as collateral as a guarantee for your repayment of bank loans.

fourth, get a credit card. If you are not in a hurry to get a loan, customers without a credit card can apply for one first. After opening a card and paying back on time, you can gradually establish a good credit record. In this way, when applying for a loan in the future, there will be extra points on the credit index

Generally speaking, having a credit card can facilitate the bank to consider your credit status, and friends without a credit card can apply for a loan from the bank in other ways.

product category:

1. According to different card issuers, it can be divided into bank cards and non-bank cards.

bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or withdraw cash at any time at all branches of the issuing bank or places with ATMs.

non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are dedicated to shopping in designated stores or filling gas stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by service industries, such as airlines and travel companies, which are used for ticket purchase, dining, accommodation and entertainment.

2. According to different issuers, it can be divided into corporate cards and personal cards.

company card. Corporate cards are issued to all kinds of industrial and commercial enterprises, scientific research and education institutions, state party and government organs, military units, organizations and other legal organizations.

personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. Personal cards are applied for in the name of individuals and bear all the responsibilities of using them.

According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.

Ordinary cards. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and their requirements are not high.

gold card. Gold card is an advanced credit card that pays high membership fee and enjoys special treatment. Card issuers are those with high credit, strong repayment ability and credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are much wider, so the requirements for related service fees and guarantee money are also higher.

3. According to different payment methods, credit cards can be divided into debit cards and quasi-credit cards.

credit card. It is that when the issuing bank provides bank credit, it overdraws first, and then repays or pays by installments. Most of these cards are used in international circulation. That is to say, the way to allow cardholders to pay off their credit card accounts is "consume first, then deposit". Most of these cards are used in international circulation.

quasi-credit card. It is a credit card issued by the bank, which deposits first and then consumes. When applying for a credit card, the cardholder needs to deposit a certain amount of money in the issuing bank in advance for backup. The cardholder needs to use the card on the basis of the deposit balance, and generally overdraft is not allowed.

4. according to the different circulation scope of credit cards, they can be divided into international cards and regional cards.

international card. International card is a kind of credit card that can be used outside the issuing country and is universal. MasterCard, VISACard, AmericanExpressCard, JCBCard and DinersClubCard issued by five overseas groups (MasterCard, Visa International, American Express, JCB Card and Diners Club Card) are mostly international cards.

area card. Regional card is a kind of credit card that can only be used in the issuing country or in a certain area. Most credit cards issued by commercial banks in China belong to regional cards.

how can I get a loan without a credit card? In fact, everyone has two ways to choose!

At present, everyone's life is under great pressure, and many people will face the situation of living beyond their means. It's okay for people with credit cards. They can spend money by credit card or apply for loans through credit cards. It's even worse for people who don't have credit cards. So, how can I get a loan without a credit card? Give some attention to everyone here.

Common loans generally include credit loans and mortgage loans. For people who have a large loan amount and own valuable property such as real estate and cars, it should be a good choice to apply for a mortgage loan, which does not require a credit card and the loan interest rate will be lower.

for people who need it for daily consumption, they can borrow money from online lending platforms without a credit card. There are many online lending platforms that can lend money to people without credit cards. For example:

Immediate Finance

Immediate Finance is a well-known platform, and there are many kinds of loan products to choose from, with a loan amount of 2, yuan, and it can also directly provide commodity installment services for everyone.

enough flowers

enough flowers is a loan platform specially for young people, which is financed by Haier. The loan amount that can be spent enough can reach 2, yuan, and the daily interest rate can be as low as 3 minutes for the loan to arrive.

Generally speaking, there are many ways to get loans without credit cards. You can choose mortgage loans or online pure credit loans.

how to borrow a credit card loan from guangfa? 8 channels for you to choose at will!

how to borrow credit card loans from China merchants bank? Just know how to use this function!

This is the end of the introduction about how some people do without credit cards and how I do without credit cards. Did you find the information you need?