Does China Merchants Bank e-loan occupy the credit card limit?

China Merchants Bank e-loan does not occupy the credit card limit. It is handled independently from the credit card and is provided to the credit card holder. The quota cash lending business has an independent quota and a separate account. Moreover, the e-recruitment loan bills require users to repay them in their exclusive accounts and cannot be repaid through credit card bills.

China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is entirely owned by corporate legal persons. It is also the first country to promote banking reform from outside the system. pilot bank.

On January 25, 2020, the first day of the Lunar New Year, at a critical moment when the whole country is preventing and controlling the novel coronavirus pneumonia epidemic, China Merchants Bank decided to donate 200 million yuan to Wuhan City through the Wuhan Charity Federation. , fully support Wuhan in fighting the epidemic. After the Wuhan New Pneumonia Prevention and Control Headquarters issued an announcement to accept social donations, China Merchants Bank immediately responded to the call, launched the relevant procedures, completed internal approvals in a short time, and donated 200 million yuan to assist Wuhan. It is reported that the donated funds will be used by the Wuhan New Pneumonia Prevention and Control Headquarters as special funds for epidemic prevention and control.

Products: Debit card: divided into all-in-one card and golden sunflower card, with functions including fixed deposit, multiple deposits, multiple currencies, and multi-function.

Credit card: A credit card in the form of a chip and magnetic stripe, which has all the functions of a credit card such as overdraft and points.

Golden Sunflower Financial Management: A comprehensive financial management service system for high-end individual customers, covering liabilities, assets, intermediary business and financial consulting.

China Merchants Group Co., Ltd., through its subsidiaries China Merchants Shipping Co., Ltd., Shenzhen Zhaorong Investment Holdings Co., Ltd., Shenzhen Yanqing Investment Development Co., Ltd., Shenzhen Chuyuan Investment Development Co., Ltd., China Merchants Union (BVI) Limited, Best Winner Investment Limited and China Merchants Industrial Development (Shenzhen) Co., Ltd. indirectly hold 29.97 shares of the company, and there is no pledge of the company's shares. Among them, China Merchants Shipping Co., Ltd. directly holds 13.04% of the company's shares and is the company's largest shareholder, with a registered capital of 7 billion. Will China Merchants Bank's e-loan occupy the fixed limit of a credit card (debit card)?

eZhaodai is a short-term cash credit loan business with daily interest provided by China Merchants Bank to eligible cardholders. The maximum loan limit is 300,000. It is similar to Jiebei and Weilidai and is issued separately. Account and separate repayment will not affect the fixed limit of China Merchants Bank's credit card (debit card). Does eZhaodai occupy the credit card limit?

It does.

eZhaodai will occupy the credit card limit, because there are regulations now, and the credit card center consolidates and manages the limits of various credit card products, which means that your credit card limit and the limit of eZhaodai are unified. Therefore, if you use e-loan, your credit card limit will be occupied.

eZhao Loan" is a credit card cash installment business provided by our credit card center to qualified cardholders. After successful application, the cardholder repays the principal and installment handling fee in installments. The principal and installment fees will be included in the current credit card bill