This is really the case. In some joint-stock banks, they look at your work unit or industry or whether you have a state-owned bank credit card. If they meet these conditions, they can do it by filling out a form and providing proof of identity. Generally, the amount is not small. It can really be done.
generally speaking, if you know something about the business of a bank, you often know that at the end of each year, that is, from November to December, banks often carry out certain waterproofing in the following aspects:
1. Credit card application: If for various reasons, friends who usually apply for a credit card are often rejected, they can consider the following and try again in the last month of the year. Generally, due to the annual credit card issuance performance pressure, banks often choose to open the floodgates during this period if the annual performance is not particularly good at the end of the year. However, it is still dominated by joint-stock banks and local banks, and there are four major state-owned banks. There will not be much difference in peacetime.
second, credit card withdrawal: if your credit card has been used for more than half a year, but you have not been able to get the withdrawal, then Xiaochuang suggests that you try to apply in the last two months of each year, and the probability of passing is generally greater. This depends on two aspects: First, at present, most e-commerce platforms are at the peak of promotion at the end of the year, and the Double Eleven and Double Twelve are both in this period. Consumer demand is strong, and banks will naturally help; Secondly, the Spring Festival is coming at the end of the year. Whether buying new year's goods or traveling abroad is a concentrated period for China consumers to spend money in the traditional sense. Banks will naturally not miss this good time to make money.
third, cash loans: compared with the above two, the bank's profit is often not so obvious, and it needs the next consumer consumption and staging to earn it. Then this one is the big head of the bank's performance at the end of the year. As we all know, cash loan is a very profitable business for lenders at present. Not much to say about Yunlong's mixed small platform. Just talking about this big platform with bank background, even if the annualized interest is strictly controlled under the highest effective interest stipulated by the state of 36%, it still earns a lot of money. Therefore, at the end of the year, banks desperately claim to discount interest to urge you to borrow money. You should keep your eyes open and take your brain with you, and figure out whether the conversion is not cost-effective.