Bank of Communications credit payment cannot be used directly online, because this product is similar to a virtual credit card, and only one card number cannot be used online.
After binding third-party payment software such as Alipay or WeChat, offline payment can be made by scanning code payment function.
As for online payment, when users choose WeChat payment or Alipay payment, they switch the payment method to the bank card generated by Bank of Communications credit payment, which is equivalent to using Bank of Communications credit payment.
After using Bank of Communications credit payment, full repayment can enjoy a certain interest-free period, and installment repayment requires a certain installment fee.
In addition, the credit line of Bank of Communications is not high, so please pay attention to repayment on time after use.
The credit payment limit of Bank of Communications is calculated separately from the credit card limit, but it shares the credit limit with Huimin Loan.
If users use up all the credit lines of Huimin loans, users can no longer use the credit payment of Bank of Communications.
If the online loan itself is not compliant, then this overdue online loan will not have much impact on personal credit status. But your online loan record will be kept in the online loan big data. You can check your online loan history through "Beijian Quick Check", including overdue details of online loans, debts, untrustworthy information, and whether it has been blacklisted.
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How does becoming a credit loan affect me?
After users' loans become credit loans, financial institutions that provide consumer credit services will change from ants to financial institutions that cooperate with ants, and there is no other influence.
In other words, if the user subsequently applies for a credit loan, the financial institution displayed on the page will provide consumer credit services for the user, and the loan record will also be uploaded to the credit information by the financial institution.
The credit line, interest rate and repayment method of subsequent users are all given by financial institutions after evaluation, but the credit line and interest rate will not change when upgrading.
Borrowing becomes a credit loan, that is, a financial institution that provides consumer credit services is changed, and other places are exactly the same as borrowing.
Even the entrance to apply for a credit loan is the entrance to borrow money.
After borrowing money into a credit loan, users can understand the nature of the loan product according to the product name, that is, the loan product is a credit loan product and does not need mortgage and guarantee. As long as the personal credit is good, users can try to apply.