There are several ways to apply for a credit card bill loan
A credit card bill loan is a personal credit loan without collateral; There are three ways to apply for a credit card bill loan: you can apply by telephone or online. CCB applies online through the Internet; China Merchants Bank can apply in three ways: online application, pocket life application and telephone application; Industrial Bank and Minsheng Bank call customers to apply;
How to borrow Ping An Credit Card
Ping An Credit Card loan method is divided into bill installment and special reserve fund for consumption.
1. The billing stages
are telephone application, online banking application and SMS application respectively. The specific operation process is as follows:
1. Telephone application: call Ping An Credit Card customer service to turn to manual operation → apply for bill installment → wait for customer service to verify identity → inform the loan amount and term → wait for the result of SMS notification.
2. online banking application: log in to ping an credit card online banking → click "installment financing" and select "bill installment" → select the installment bill and installment time according to your own needs.
3. SMS application: the cardholder receives the invitation SMS of Ping An Credit Card bill installment → confirms the installment amount and installment time → replies to the installment application instruction according to the SMS content.
second, the special reserve fund for consumption
The special reserve fund for consumption is a cash loan product provided by Ping An Credit Card for cardholders, with a loan amount of 2,-3, yuan and a loan term of 6, 12, 18 or 24 installments.
the loan process is as follows: log in to ping an credit card online bank → enter "installment financing" and select "special reserve fund for consumption" → fill in the loan amount, term and purpose → enter the transaction password and dynamic SMS password → wait for the audit result of ping an credit card system.
Extended information
Ping An Credit Card Application Conditions
Any natural person who has reached the age of 18, has full capacity for civil conduct, has a stable and legal source of income, and has a good reputation, can apply to the card issuer for a personal credit card master card with his valid identity certificate and other documents required by the card issuer.
the main cardholder of personal card can apply for supplementary cards for other qualified natural persons. The cardholder of the main card shall be fully liable for the debts incurred under the main card and the supplementary card. Supplementary card holders shall be jointly and severally liable for the debts incurred under the main card and supplementary card.
The cardholder of Ping An Bank's credit card is in difficulty, so he can choose not to pay the full amount of the current credit card arrears, but to pay the minimum repayment amount. Generally, the minimum repayment amount is 1% of the payable amount. In order to alleviate the credit card repayment overdue caused by the current financial shortage.
This kind of repayment behavior means that you can't enjoy the interest-free repayment treatment and need to pay cyclic interest to Ping An Bank.
minimum repayment amount =1% unpaid portion of the minimum repayment amount in the previous period +1% annual fee +1% principal and handling fee of each installment business and the resulting interest +1% transaction principal (consumption+cash withdrawal) +1% expenses (except annual fee) (expenses: including late payment fee, interest, loss reporting fee, damage compensation fee and cash withdrawal handling fee). )
if normal repayment is made in the first month (that is, not less than the minimum repayment amount in the bill of the current month), the minimum monthly repayment amount will be automatically reduced from the original 1% to 5% from the next month.
Baidu Encyclopedia-Ping An Credit Card
How to borrow a credit card loan?
In addition to seeking loans from banks and online lending platforms, credit card loans are the most commonly used. By submitting some personal information, a certain amount of loans can be obtained, which can be used for daily consumption and is also conducive to personal credit data, so as to better obtain high loans from banks.
what is a credit card loan?
Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card to make credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
How to use the credit card loan:
According to the credit status of the credit card holder, the bank will increase the installment quota of the credit card to meet the demand of the cardholder to purchase the designated brand cars in installments at the designated dealer. The cardholder can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
handling fee: you don't need to pay the bank loan interest when buying a car by installment with a credit card, but you have to bear a one-time handling fee. Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after the installment purchase), and the handling fee rate of each bank is different.
loan term: generally, the longest term for car purchase by installment is 24 months.
down payment: generally, a down payment of not less than 3% of the car price is required for car purchase by credit card installment.
limit: banks have stipulated the loan amount for car purchase by credit card installment. For example, CCB stipulates that the installment amount range of car purchase is 2,-2,.
This is the end of the introduction about how to borrow money with credit card bills and how to borrow money with credit card bills. Did you find the information you need?