What are the online loans that can be used with credit cards? Pay attention to these matters

Many people think that credit cards can be used to make purchases and withdraw cash, but they don’t know that credit cards can also be used to borrow money online. Especially if you can’t repay your purchases using credit cards, you can borrow money from online loans. Repayment. And there are many such online loans, which can help everyone avoid overdue credit cards. Let’s take a look at what they are.

What are the online loans that can be used with credit cards?

After the online loan we often use is successfully processed, the money is transferred to the provided collection savings card, and you can use it however you want. However, online loans that use credit cards are different. They can only be used for special purposes. The payment card provided when applying is a credit card, not a savings card. After the loan is disbursed, the money will be used for repayment in the credit card. If you want to withdraw it, you can only use the credit card. Cashed out.

So this point must be clear before taking out a loan, so as not to be in trouble if you originally borrowed money for other purposes but ended up having to pay off your credit card. If you plan to borrow money to repay a credit card, you can take a look at these online loans:

1. Huanbei Huanbei is an online loan operated by Chongqing Focus Co., Ltd. and Shuhe Technology to repay credit cards. They all have formal financial licenses, and I often see advertisements for Huabei in elevators. The slogan is "Interest only requires about 50% of the lowest annual interest rate for bank repayments." The maximum limit is 50,000. It has been online for 4 years. There are still many people applying.

2. Weilefen

Weilefen is a product of Tenpay Micro Loan. It is also an online loan that uses credit cards to borrow money. Users in need can follow it on WeChat The "Weilefen" public account is opened and used. However, Weilefen adopts a whitelist invitation system, and it can only be activated if it meets the conditions. If it cannot be activated, it means that it does not meet the requirements for the time being.

The last thing I want to say is that borrowing online loans to repay credit cards only treats the symptoms but not the root cause. It is best for everyone to control their consumption desires, consume within their capabilities, and at the same time find ways to increase their income. Address the root cause of the problem.

Online loans that you can make with a credit card

Online loans that you can make with a credit card: Bao Gong Wallet, Xiaoying Kadai.

First, as the quality of life continues to improve, advanced overdraft consumption has become the mainstream, and debt has become a norm. The most common ones are credit cards and online loans. In the eyes of most people, credit cards and online loans are all about borrowing money, so they are naturally classified into the same category, and their understanding is relatively vague.

Second, the application conditions are higher for credit cards. In addition to providing specific personal materials to the bank, you must also prove to the bank that you have a stable job and source of income. You can apply to open an account only if you meet the relevant conditions. The limit of the credit card you apply for is based on the application conditions. The greater your ability, the higher the limit. As for online loans, compared with the credit card application process, online loans are much simpler. Many third-party online loan platforms only need to provide basic personal information, and after smoothly receiving review calls, they can make loans. There are even some platforms that do not conduct phone verification and directly lend money, but the amount is generally not too high.

3. Interest and other charges Normally, credit cards have an interest-free period of 18-50 days to allow customers time to relieve financial pressure. If the repayment is made before the specified repayment date, no interest will be charged. . If the loan is not repaid on time, a reference interest of 0.5% and a late payment fee of 5% will be charged. In addition, if the loan is repaid in installments, an installment fee of 0.72%-0.9% is usually charged on a monthly basis. Online loans will charge a handling fee that is a certain percentage of the borrowed amount when you apply, but this fee is deducted from the repayment amount. Excluding the handling fees, the interest of online loans is much higher than that of a credit card. Under normal circumstances, 10% and below is considered a very cheap online loan, 24% is more reasonable, 24%-36% is on the high side, and above 36% can basically be called it.

Four. Loan Speed ??After the credit card application is successful, the applicant needs to go to the bank to process the request and open an account. The cycle is about 15 days, and the fastest is about 7 days. Or you can directly request a cash withdrawal on the corresponding bank’s website or APP. Online loans are relatively fast. Currently, most of the online loan platforms on the market are targeted at, and approval is very fast. Users only need to register on their platform, and then fill in the relevant information and loan amount as required. Once approved, the loan will be approved quickly. Loans will be made. All in all, credit cards are products launched to facilitate our early consumption. They need to apply for them from the bank. The process is more complicated, but they are highly secure.

Online loans are designed to alleviate our difficulties. They are easy to apply for and fast to disburse money. However, the safety factor is not high and there are certain risks. Due to the high interest rate of online loans, some criminals use online loans to make a fuss and defraud loans. People make profits from this, so before deciding to apply for an online loan, you must understand the regulations and algorithms related to online loan interest to avoid being deceived.

The online loans you must take out if you have a credit card in 2020 are regular ones

The following online loans are available:

1. Magpie Quick Loan, which is Laokouzi under Phoenix Financial Yes, the payment situation has been pretty good recently. In terms of application conditions, this bank only requires real-name verification of mobile phone numbers for more than three months. Anyone who holds a credit card or provident fund can lend money as long as there are no major overdue credit reports.

2. Shengbei is also a well-known online loan product. It is also an online loan product that must be purchased if you have a credit card. The maximum amount is 50,000, the cycle can be divided into 6-12 months, and the age is 18-60 years old.

3. Kakadai is owned by Weixin Jinke and is the same company as Doudouqian. Friends who know Kakadai must know that this is a relatively easy place to make money. The current maximum application amount is 50,000 yuan, and the maximum usage period is 24 periods. After submitting the information and passing the review, the payment will be made, usually the same day, and the interest rate is not high, so the repayment pressure is not great for users.

Online loans that you can apply for without a credit card: these are still available

Affected by the epidemic, many online loans are no longer available, but many online loans are still in trouble They are still standing, but they have different requirements for lenders. Some only lend money to people with credit cards, while others can apply without a credit card. Here, I will give you an inventory of several online loans that you can make without a credit card. Friends in need can refer to them.

Inventory of online loans that can be applied for without a credit card:

1. 360 IOU

360 Finance’s pure credit consumer loan, no mortgage guarantee is required, the maximum limit is 200,000 Yuan, daily interest charges start. As long as you meet the basic loan conditions, you can apply without a credit card. Lenders are required to be between 18 and 55 years old, have a stable job and income, and do not lend to non-student users.

2. China Merchants Union Finance's pure credit consumer loan, with a maximum loan amount of 200,000, interest calculated on a daily basis, borrowing and repaying at any time, and the lowest daily interest rate. To apply for a good term loan, you need a sesame score of over 600, a stable job and income, and good credit. There is no requirement for a credit card. However, if you have a credit card and use it well, it will be easier to make a payment than if you have no account.

3. Everbright Bank Xixin Loan

Although it is an online loan under the bank, you can apply for it without a credit card. The borrower is required to be between 25 and 60 years old, and the loan must be The applicant must be no more than 60 years old at the time of payment, be a token online banking or mobile banking customer, and be a provident fund deposit customer, with continuous provident fund deposits for more than 12 months, a personal monthly deposit of 300 yuan, and a good credit report.

4. An Yihua

The online loan product of Immediate Consumer Finance can be used to make a loan without a credit card. The borrower is required to be between 18 and 55 years old, have a stable income, and a sesame score. 620 or above, no bad credit record, and provide ID card, bank card, real-name mobile phone number, etc. to complete the certification, you can get a loan limit of up to 50,000 yuan, which can be repaid in up to 12 installments.

Summary: Although the above online loans do not require credit cards, they are all products of formal licensed financial institutions/banks and will be checked for credit. Friends who are concerned can ignore it.

Which online loan can I get through with a credit card? The key is to look at qualifications

1. Agricultural Bank of China's consumer reserve funds

Specially provide special cash installment quotas to high-quality Agricultural Bank of China cardholders. The minimum amount for a single application is 500 yuan, and the maximum amount is 300,000 yuan. If the credit card account in your name is in normal condition, your credit is good, and there are no unpaid debts on the card, you will have the opportunity to be invited to open it. You can borrow money within the limit on a recurring basis, but each application needs to be re-evaluated.

2. Industrial Bank Xingye Xingxiang Loan

Industrial Bank offers large-amount long-term cash installment loans to high-quality cardholders, with a maximum limit of 300,000 yuan and a minimum loan amount of 1,000 yuan. It is also by invitation only. Only customers can apply. If you want to apply for Xingxiang Loan, it is best to keep a good card usage record for more than 6 months, use the card more often, and repay on time. The most important thing is to standardize the use of the card. You can make contributions in appropriate installments during the period, and the pass rate will be higher.

3. Ping An Premium Credit

The exclusive cash installment limit granted by Ping An Bank to specific principal cardholders is independent of the fixed credit card limit, so there is no need to worry about occupying the credit card limit. , the maximum amount is 300,000 yuan, the application amount must be an integral multiple of 100 yuan, and the minimum is 2,000 yuan. Same-day applications are credited to your account as quickly as possible, and the handling fee per 10,000 yuan is as low as 2.8 yuan/day.

4. Guangfa Caizhijin

Guangfa Bank provides a credit card service for overdraft transfer and installment repayment for high-quality cardholders. It can be processed within the credit card limit and transferred to the name. Use the debit card for personal consumption, and then repay it monthly. The monthly handling fee is about 0.75%. The credit card is in good condition and the debt is low, so it is easier to get through.

Summary: If you have a credit card, you have the opportunity to apply for the above loans, but whether it can be approved depends on the credit conditions of the borrower, which is mainly based on the bank's approval results.

Online loan platforms where you can borrow money with a credit card: these are very easy to borrow!

For those who have cards, if you hold a credit card, you can get more preferential benefits, enjoy various food, drink and entertainment benefits, and you can also use it for emergencies when you are short of money. So what credit card loan platforms are there? Today I will take stock of several products that you can apply for with a credit card.

1. CMB E Loan

Application conditions: You need to have a CMB credit card that is in normal use and has no bad repayment record.

You can flexibly choose the repayment method, in which interest will be charged at a daily rate of 0.5% at any time; if you repay in installments, you will need to bear a monthly fee not higher than the monthly rate.

2. Pudong Development Bank Universal Gold

Application conditions: Hold the Shanghai Pudong Development Bank main credit card, use it normally, and have no bad records.

The loan amount ranges from 1,000 yuan to 300,000 yuan, and the loan period can be selected from 1 to 99 days. Interest is calculated on a daily basis starting from the application date. The standard daily interest rate is days. Each application is repaid. There is a one-time handling fee of 10 yuan.

3. Bank of Communications Angel Loan

Application conditions: As long as you have good credit conditions, you can apply regardless of whether you have a Bank of Communications credit card or not.

The monthly rate of angel loan is the annual actual interest rate and the installment principal and installment handling fee are charged monthly. The minimum monthly installment handling fee for a loan of 10,000 yuan is 35 yuan.

4. Industrial Bank Suixin Loan

Industrial Bank’s credit card short-term cash loan product does not require any collateral and is reviewed quickly. It is relatively easy to apply for Xixin Loan, especially credit card holders with good credit are more likely to be approved. The repayment of Xixin Loan is relatively free, and you can repay monthly or in advance.

This is the end of the introduction about which online loans require credit cards and which online loans can use credit cards. I wonder if you have found the information you need?