How to apply for a loan with a credit card, how to get a credit card loan

Credit cards are a very common way of advance consumption in our daily lives. Because credit cards are under the control of banks, they are not as popular as those on the market. Other lending platforms are more reliable. Everyone knows that credit cards can also be used for loans. In addition, when applying for loans with credit cards, there is no loan interest rate, only handling fees. So how to apply for a credit card loan, and what are the methods of credit card loans? Let's study it together next.

1. How to apply for a loan with a credit card

Credit card loan conditions: First, you must have a credit card from the lending bank, and the card usage record is good. The loan amount must not be used for gambling, investment, etc., only Can be used for personal consumption.

Credit card loan process: call the bank customer service number - provide card information - bank review and credit.

2. Credit card loan methods

Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 20,000-200,000; there are three types of installments: 12 months, 24 months, and 36 months; there is no loan interest rate for credit, and the bank only charges a handling fee. The handling rates for different installments are Each one is different.

1. When buying a car with a credit card loan, the loan amount is between RMB 20,000 and RMB 200,000. The loan term is generally no more than 3 years. No interest will be charged after application, only installment fees will be charged.

2. Credit card shopping mall shopping installments. Users can use credit cards to pay when shopping in offline malls, or pay on e-commerce platforms such as JD.com and Taobao. When the amount is large, they can choose to divide it into 3 or 6 installments. , 12 or 24 installments, with monthly interest and principal repayments.

I believe everyone is already relatively clear about how to apply for a loan with a credit card. Overall, credit card loans are more reputable, because with the strong support of banks, there will generally be no problems during the loan process. But everyone still needs to pay close attention to their loan repayment time. Repaying on time is the most correct choice.

Which loan platforms allow you to borrow money with credit cards

Personal credit loans are RMB credit loans that banks, online loan platforms, etc. issue to customers with good credit without providing guarantees.

When applying for a personal credit loan on an online loan platform, you can usually apply directly online. The specific application process is subject to the platform's requirements.

Take Du Xiaoman Financial Youqianhua as an example. The user borrowing process is as follows:

1. Download the Du Xiaoman Financial APP on your mobile phone.

2. Fill in your relevant information. When the system completes user identity authentication, you can view the loan amount obtained.

3. Fill in the loan amount and receiving bank card information on the loan page and wait for system review.

4. Du Xiaoman Financial has money to spend. In order to further ensure the safety of users’ funds, when a user applies for a loan on the platform for the first time, the platform will review the user’s identity information. Only after the approval is passed, the user can succeed. loan.

5. After passing the review, please pay attention to the text message notification on your mobile phone in time, and the loan will be available in the fastest three minutes.

There are actually many credit platforms on the market. As borrowers, we must also consider the safety and risks of the platform before taking out a loan to avoid unnecessary losses to ourselves. Here I would like to remind you that generally reliable big brand credit platforms are more secure in terms of security, such as Jiebei under Alipay and Youqianhua under Duxiaoman Financial. Youqianhua is a credit brand under Du Xiaoman Financial, which provides users with safe, convenient, unsecured, and unsecured credit services. To borrow money, go to the Du Xiaoman Financial APP.

Duxiaoman Financial will effectively implement the country’s call to support small and micro enterprises to overcome difficulties. Its credit service brand has money to fully support the production and operation of small and micro businesses. Duxiaoman Financial is the owner of most small and micro businesses. first choice. It is reported that 70% of Duxiaoman Financial’s credit users are small and micro business owners. Up to now, Duxiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of loans to small and micro business owners.

This answer is provided by Kangbo Finance. Kangbo Finance focuses on interpretation of hot financial events and popularization of financial knowledge. It adheres to professionalism and pursues fun, and produces financial content that people can understand, using vivid and diverse methods. Deliver financial value. Hope this answer is helpful to you.

Which banks can apply for credit card loans? Which bank is best for credit card loans?

The review requirements for credit card loan business are not very strict. As long as you have good credit and the ability to repay the loan, you can generally apply for a credit card loan. Therefore, it has been favored by many young people. Which banks are there? Can I apply for a credit card loan? Let me introduce them one by one below.

Which banks can apply for credit card loans?

Consumers can choose according to their own needs. For example, Bank of China, Industrial and Commercial Bank of China, China Merchants Bank, China Construction Bank, etc. have all opened credit card online processing services.

Which bank is best for credit card loans?

Bank of Communications, China Guangfa Bank, CITIC Bank and Hua Xia Bank are doing more. However, the maximum loan limit of each bank's credit card pre-loan business is different. It generally depends on the cardholder's credit card limit. It usually refers to 90% of the credit card limit, and there are also 100% of the credit card limit. Below we focus on selecting several commercial banks for analysis.

Hua Xia Bank Credit Card Loan - Yi Da Jin

Reason for the list: Hua Xia Bank's credit card business is "Yi Da Jin". The application procedure is very simple. You only need to provide your identity, job and Proof of income and other materials are sufficient, and there is no restriction on household registration. The loan speed of Yidajin is generally 5 days, and the rate is much lower than that of credit card cash withdrawals with the same function. In terms of rates, no interest is charged, only a handling fee that accounts for the total loan amount. In terms of quota, there is no maximum limit and it depends on the customer’s qualifications. Can I withdraw cash directly from Hua Xia Bank's Express Cash?

Bank of Communications Credit Card Loan - Haoxiangdai

Reason for the list: Bank of Communications Haoxiangdai is a Bank of Communications Pacific credit card principal designated by the cardholder based on the cardholder's application. The card will increase the credit limit within a certain period of time and perform automatic installment business after qualifying transactions occur. The limit of "Haoxiangdai" depends on the cardholder's credit card account limit, which is usually around 100,000 yuan.

Bank of Communications Haoxiandai is more convenient than credit loans from other banks. You can apply by phone. After opening, the credit card limit will be automatically upgraded. Every subsequent purchase will be automatically divided into 12 installments, which is equivalent to The cardholder obtained a credit loan of about 100,000 yuan. The loan fee is the credit card installment fee. The monthly interest rate is lower than that of most credit loans.

Ping An Bank Credit Card Loan—Xinyidai

Reason for the list: Ping An Bank’s personal credit loan product is “Xinyidai”, which only charges interest and waives handling fees. For different customer groups, Xinyidai has different rate standards: for teachers, civil servants, etc., the expected annualized interest rate is , for ordinary salaried customers, and for self-employed individuals, the repayment method is equal principal and interest or equal principal, and the advance loan amount is limited to 3 Ten thousand to 500,000 yuan.

Industrial Bank Credit Card Loan - Suixing Loan

Reason for the list: Credit card cash installment business includes Industrial Bank's "Suixing Loan", which is divided into 3 to 36 installments, advance loan The amount is 2,000 yuan to 50,000 yuan, which is expected to arrive in about a month. The handling fee can be collected in installments or in one go.

Guangfa Bank Credit Card Loan - Caizhijin

Reason for the list: Introduction to Guangfa Bank Caizhijin: Cardholders who have had a Guangfa card for more than half a year can apply for the Borrow a cash advance. The application amount must be an integral multiple of 1,000 yuan, with a minimum of 2,000 yuan. After the application is successfully approved, the amount will be directly transferred to the domestic personal savings account designated by the cardholder.

Cardholders can choose to repay in 6, 12, 18 or 24 monthly installments, and the bank charges a handling fee of the total amount borrowed in each installment.

CITIC Bank Credit Card Loan - Xinjinbao

Reason for the list: CITIC Bank Xinjinbao is a credit card line provided by CITIC Bank’s credit card platform for customers with stable jobs and incomes. Convenient, efficient and low-cost personal unsecured and unsecured cash advance services.

The installment amount can be used for any reasonable personal or family consumption, such as car purchase, decoration, travel, further education, purchase of home appliances, etc. The installment amount cannot be used to invest in the stock market, futures market, real estate or any other equity investment.

The bank will comprehensively determine the installment amount based on the cardholder’s income and credit status, up to a maximum of RMB 300,000.

Issue 12/24/36, monthly principal and interest payment

Online loans that can be disbursed with a credit card

Online loans that can be disbursed with a credit card: Bao Gong Wallet, Small Win card loan.

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.