Can CCB credit cards be used for loans?
CCB credit cards can be used for loans. Credit card loans can be divided into car purchase installment, cash installment, consumption installment, decoration installment and merchant installment.
Credit card loans of CCB can be borrowed through mobile banking, WeChat banking, personal online banking, ATM, financial business, smart teller machines at outlets, counters at outlets and self-service voice.
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.
the bank will increase the installment quota of the credit card according to the credit status of the credit card holder, so as 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,.
Buying a car with a credit card loan is a credit card installment business launched by banks. The credit limit that cardholders can apply for is generally 2,-2,; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for car purchase by credit installment, and the bank only charges a handling fee, and the handling fee rate is different in different installments.
credit card loans pay zero interest, preferential handling fees, no guarantee and no mortgage in installments, and you can also enjoy credit card points feedback, without the burden of high loan interest, and you can also avoid the cumbersome mortgage procedures. You can apply for a special credit card by providing some materials to the bank and pay the handling fee at one time. The disadvantage is that the car price is limited, but most commonly used models can be selected.
Shopping mall installment is one of the credit services of bank credit card consumption, that is, credit card holders can choose to divide the total price of purchased goods or services into three, six, 12 or 24 installments (months) on average.
repay the money on time according to the credit card bill every period (month). When the cardholder chooses to go to the staged merchant store specially appointed by the bank to complete the installment payment through the designated POS machine, it is called "shopping mall installment payment" for short.
I have a CCB credit card. How can I apply for a CCB express loan?
1. Open the CCB client on my mobile phone desktop.
2. Then, click the place indicated by the arrow in the upper left corner of the page.
3. Next, click Login to log in to your personal account.
4. after logging in, click on the small micro quick loan indicated by the arrow on the home page.
5. On the subsequent page, click Apply Now.
6. After the application is approved, you can check your credit limit.
Precautions
1. Before handling cash installment business, cardholders should carefully read and agree to the Terms and Conditions of Longka Credit Card Cash Installment Business. When the cardholder applies for the cash installment business of Longka Credit Card, it means that he has clearly understood and agreed to abide by the relevant cash installment terms.
2. Cash installment is limited to the application of the main cardholder of CCB Longka Credit Card (except business card).
3. The maximum amount of cash installment application shall not exceed the available cash advance limit of the cardholder and the accumulated amount shall not exceed RMB 5,. Cash installment cannot be applied for the increased limit and temporary limit due to overpayment.
4. the cardholder has successfully handled the cash installment. if he applies for early repayment, he must repay all the remaining principal and handling fees in one lump sum, and the collected handling fees will not be refunded.
5. the cardholder shall use the funds obtained by cash installment according to the purposes agreed with CCB, including household durable goods consumption, tourism consumption, home decoration, education for students, medical care, etc., and shall not use them in non-consumption fields such as production, operation and investment (including but not limited to house purchase, stocks, futures and other equity investments). Otherwise, CCB has the right to require the cardholder to repay all the remaining debts in cash installments in advance, including but not limited to the principal, handling fee, interest, repayment penalty, etc.
6. The detailed contents of the Terms of Agreement on Cash Installment of Longka Credit Card shall be subject to the website of China Construction Bank, and other matters not covered shall be implemented in accordance with the laws and regulations of the People's Republic of China, financial industry policies, articles of association of Longka Credit Card of China Construction Bank, subscription agreement and relevant industry practices.