The use process is as follows:

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.

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.

Guide to the phased use of Bank of Communications "Enjoy Loan"

There are two ways for Bank of Communications credit card installment. First, enjoy the installment payment of loans; The second is the installment payment of bills. "Enjoy the loan" is the installment payment function of Bank of Communications. What is the credit card installment payment of Bank of Communications?

"Enjoy the loan" is a phased function to provide customers with additional exclusive quota, with a maximum of 654.38+0.5 million. This quota can be widely used in household appliances, high-end department stores, famous watches and jewelry, home decoration, furniture purchase, high-end banquets, travel vacations, wedding photography, further training, education courses and other businesses, covering all aspects of life; All UnionPay line transactions with the amount of 1500 yuan or above within the scope of designated merchants are automatically included in the credit line, and customers automatically pay by installments. The original credit line of the customer can still be used as usual.

Good loan installment application method: (only applicable to invited users)

1, activated immediately after receiving the call from the customer service specialist;

2. Log in to Bank of Communications credit card SMS password version online banking or certificate user version online banking to activate (you need to open SMS password version or certificate user version online banking service at the Bank of Communications counter first);

3. Log in to Bank of Communications and activate credit card and mobile banking;

4. Call the "Enjoy Loan" service hotline (9: 00- 18: 00 on weekdays) to activate.

Bank of Communications credit card installment payment rules are as follows:

Qualifications: Only cardholders specially invited by Bank of Communications Credit Card Center can apply for opening good loan business.

Application amount: only within the scope limited by the card center. The starting amount is 1, 500 yuan or 3000 yuan.

Number of periods and handling fee rate: divided into 6, 12 and 24 periods. The handling fee rate for each period is 0.72%.

How to use the credit line?

Open a good loan, the consumption amount is 2 (the withdrawal amount is unchanged), and all repayments are automatically settled in installments (charge a handling fee).

If you don't spend a lot of money often, it is recommended not to open it.

Enjoy the loan:

Basic introduction: Bank of Communications has launched a brand-new credit card installment payment service-Enjoy Loan, which provides bulk consumer credit support with high exclusive quota (maximum 1.5 million) and convenient service process.

After the loan is signed, when the consumption reaches the set initial transaction amount, the system will automatically stage it. The longest repayment period is 24 months, and the highest monthly handling fee is only 0.72%.

Applicable card types: all kinds of Bank of Communications credit cards except business cards, quasi-credit cards, installment cards and supplementary cards.

Main features: fast and convenient application, no need to prepare complex materials; Wide scope of application, covering all aspects of life; The longest repayment period is 24 months; The maximum monthly handling fee is only 0.72%.

Usage process: (1) Customers who have signed up for a credit line can use it in UnionPay unlimited merchants within 90 days. If the single batch consumption amount is greater than or equal to the initial transaction amount, it will be automatically converted into an installment plan according to the number of periods set by the cardholder. The initial transaction amount (65,438 yuan+0,500 yuan or 3,000 yuan) and the number of installments (65,438+02 or 24) are determined according to the customer's wishes.

(2) After the installment is successful, repay the loan on schedule (including the principal and handling fee of each installment after the loan installment).

Friends who have handled Bank of Communications credit cards should know that Bank of Communications has provided credit card loans to customers, and enjoying loans is one of them. The credit card limit is not enough, or there is a large amount of consumption that needs to be repaid in installments. It is best to choose a good loan. But many friends still don't know much about how to use the loan. Today, Xi Cai Jun will introduce the scope and process of good loans to you.

Scope of use of good loans

Friends who have applied for good loans can use the amount of good loans in most merchants who spend their daily lives, such as household appliances, high-end department stores, watches and jewelry, which is higher than the minimum transaction amount you set.

However, good loans also have restricted areas for use, such as real estate, finance, securities, lottery, hospitals, tax payment, government services and other businesses, and it is impossible to carry out good loan staging. Generally speaking, the trading merchants who are not allowed to use will be updated regularly on the website of Bank of Communications Credit Card, which can be viewed.

Enjoy the loan use process

1. After successful application, you need to set the initial transaction amount and installment times according to your own situation. Generally, the initial transaction amount can be selected as 1500, 3000 and 5000, and the number of installments can be selected as 3, 6, 12 and 24.

2. After signing the contract successfully, it can be used by non-first merchants of UnionPay within the validity period of 90 days. As long as it is higher than the initial transaction amount, you can use the credit line, and then it will be automatically converted into a phased plan according to the number of periods you set.

3. After the installment is successful, repay the loan on schedule according to the number of installments. Including the principal and handling fee of each period.

Bank of communications enjoys a loan with a credit card.

Bank of Communications enjoys the loan, which is a consumer credit product provided by Bank of Communications as the main cardholder except the credit line. Covering all aspects of life, without complicated application, you can get it with your fingers, and automatically repay the loan in installments to reduce the pressure.

1. What is good for Bank of Communications loan?

Loan-enjoying business is a business in which the applicant of the main credit card of Bank of Communications meets certain conditions, and after the approval of Bank of Communications, provides a consumer credit line granted separately on the designated main credit card, records the transactions that meet the specified conditions in the loan-enjoying line, and automatically generates an installment repayment plan.

Second, Bank of Communications enjoys loan application conditions.

Easy loan cannot be automatically opened, and it must be opened at the invitation of Bank of Communications.

So there is only one condition, that is, to become a special cardholder of Bank of Communications.

Third, the scope of credit line of Bank of Communications.

Bank of Communications will finally decide whether to approve and the specific amount according to the credit status and consumption purpose of the customer at the time of application.

After the business application is successful, the customer can set the installment number and initial transaction amount of the credit line by himself within the options provided by Bank of Communications.

Bank of Communications can adjust the credit limit of customers according to their card usage.

The credit line can be used within 90 days after activation. After the expiration of the validity period, if the business is not cancelled voluntarily, and the bank of communications still meets the criteria for granting the credit line after reviewing the consumption purpose, credit standing and card use, it is possible to obtain the validity period of 90 days again.

Fourth, the available scope of Bank of Communications' good loans.

This credit line does not apply to real estate transactions and other projects designated by Bank of Communications from time to time according to customers' consumption choices, regulatory provisions and risk policies.

The initial consumption amount of a good loan is selected by the contracted customer within the range provided by the card center, including 1, 500 yuan, 3,000 yuan and 5,000 yuan. When the consumption amount is greater than or equal to this amount, the good loan amount can be used for good loan transactions.

Customers can check their credit line and usage through Bank of Communications credit card official website or customer service hotline, and can also apply for cancellation or suspension of credit line as needed.

Verb (abbreviation of verb) Bank of Communications enjoys the loan interest rate standard.

1. Consumer transaction: the installment fee rate is 0.25%/ month ~0.93%/ month, and the initial transaction amount is 1500 yuan, 3,000 yuan or 5,000 yuan, which can be divided into 3 periods, 6 periods, 12 periods and 24 periods.

2. Cash transactions:

The installment fee rate of 1 is 0.45%/ month ~ 1.50%/ month, the initial transaction amount is RMB 1500 yuan, and the one-time repayment plan is: 1, 2, 3, 4 and 5 installments (the fee should be paid in one lump sum).

2. The installment fee rate is 0.25%/ month ~0.93%/ month, the initial transaction amount is 1.500 yuan, and the monthly repayment plan is 12 and 24 installments.

This is the end of the introduction on how to use the traffic credit card and how to apply for the credit of Bank of Communications. I wonder if you have found the information you need?