How to get a credit card loan from China Merchants Bank
1. Apply through online banking.
Log in to the official website of China Merchants Bank, click "Credit Card" in the top column on the main page; then click "e Loan" in "Loan Installment", and select "Click" on the newly opened page "Apply"; install the secure login control and log in to your personal bank to apply for e-loans.
2. Handle by phone.
Call the China Merchants Bank customer service hotline, follow the voice prompts to be directly transferred to the manual customer service, and apply for e-loans after identity verification.
3. Handle via Palm Life APP.
Download the Palm Life APP, open the latest version of the Palm Life APP, and after logging in, select "Card. Payment" → "e Loan" to try to apply, and the system will provide the review results in real time.
After the application is successful, the cardholder can repay the principal and installment fees in installments, which can be divided into 3, 6, 10, 12, 18, 24 or 36 installments. The principal and installment handling fee of each installment will be included in the current credit card bill.
It is relatively easy for cardholders of China Merchants Bank credit cards to apply for loans. As long as the credit card is in normal use and does not have any bad credit record, they can apply for an e-loan from the bank. Applicants can apply for e-loans through the Palm Life APP, online banking or calling the customer service hotline.
Extended information:
China Merchants Bank credit cards are divided into three levels: regular card, gold card and platinum card. The limit of regular card is generally between 3,000-10,000 yuan, and the limit of gold card is between 3,000 and 10,000 yuan. The limit is between 10,000-50,000 yuan, and the platinum card limit is more than 50,000 yuan.
The specific credit limit is evaluated by the bank based on the information provided by the applicant and personal credit status. The better the applicant's credit status, the higher the credit limit. The final limit is subject to review The result shall prevail.
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.
Since it was first shortlisted for the Fortune Global 500 in 2012, it has been shortlisted for seven consecutive years. In 2018, it ranked 213th on the Fortune Global 500.
On June 26, 2019, 8 banks including China Merchants Bank were among the first to launch the online enterprise information verification system.
In July 2019, the 2019 Fortune Global 500 was released, ranking 188th.
In November 2019, it ranked 85th on the list of the top 100 Chinese enterprises along the Belt and Road Initiative.
In December 2019, China Merchants Bank was selected into the 100 Model Brands at the 2019 China Brand Power Ceremony.
On December 18, 2019, the People’s Daily ranked 31st on the “China Brand Development Index” 100 list.
On January 13, 2020, he was selected into the 2020 Hurun Top Quality Awards.
In March 2020, it was selected as the 74th among the top 500 global brands in 2020.
In May 2021, it ranked 22nd in the "2021 Forbes Global 2000".
The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22. Net capital exceeds 290 billion and total assets exceed 4.4 trillion.
As of the first half of 2017, China Merchants Bank has more than 1,800 domestic and overseas branches, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and has 7 employees. More than 10,000 people. In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., holds a controlling stake in China Merchants Fund Management Co., Ltd., holds 50% of the equity of China Merchants Cigna Life Insurance Co., Ltd., and 50% of the equity of China Merchants United Consumer Finance Company; it is wholly owned in Hong Kong Controls Wing Lung Bank Co., Ltd. and CMB International Financial Holdings Co., Ltd.
What does pos loan mean_Who can provide pos loan
What does pos loan mean? Who can provide POS loans? POS loan is a bank that mainly calculates the business scale of small and micro enterprises based on the transaction flow of POS card swiping transactions, and then provides loans to small and micro enterprises based on the transaction flow.
What does pos loan mean?
Pos loan is a bank that mainly calculates the business scale of small and micro enterprises based on their POS card swiping transactions, and then provides small and micro enterprises based on their transaction flow. Business loans. The core of POS loan is the massive user transaction flow controlled by the UnionPay system.
It is reported that China Merchants Bank, China CITIC Bank, China Minsheng Bank, Ping An Bank, and China Everbright Bank have all launched such products.
“The advantages of POS merchant online loans are obvious. It does not require collateral. You only need to provide copies of your ID card, license, and bank card to apply for a pure credit loan.”
In this way, banks can see data and information such as the company's operating capabilities and funding needs, thereby grasping the company's real information. Depending on the fund settlement amount and stability of POS card transactions of small and micro enterprises, small and micro enterprises can obtain loans of up to 500,000-1.5 million yuan without mortgage or guarantee. The annualized loan interest rate is 12%-14.4%, the fastest It only takes a few minutes to apply successfully, and the interest is calculated on a daily basis. You can borrow it and return it at any time, and it can be used repeatedly after one application.
Who can provide POS loan?
Different banks have different implementation standards for loan amounts and loan periods. Everyone must understand clearly before applying for a loan in order to make good fund arrangements.
Puyin Kuaidai-pos loan
Puyin Kuaidai-pos loan is an Internet credit loan product launched by Shanghai Pudong Development Bank. It uses the POS machine transaction flow of the borrower's company Loans are issued as a basis for credit extension, and no mortgage or guarantee is required. The loan amount of this loan is between 1,000 yuan and 1 million yuan, the loan period is up to 6 months, and the credit period is up to 12 months.
China Merchants Bank POS Merchant Loan
China Merchants Bank POS Merchant Loan is a small and micro loan product launched for retail merchants, with a maximum limit of 1.5 million and a maximum loan term of 5 years.
BoCom POS Loan
This product is a comprehensive online loan product launched by Bank of Communications for individual customers with legal business qualifications. Borrowers can borrow and repay at any time without paying any money. Time does not count interest. The Bank of Communications POS loan limit can reach up to 500,000, and the credit period can be up to 1 year.
CITIC Bank POS Loan
CITIC Bank POS Loan also issues loans based on merchants’ POS flow data. The loan limit can be up to 500,000. As long as the borrower meets the loan requirements, You can get a loan as soon as the same day. What are the application requirements for a business loan from China Merchants Bank?
In life, small and micro business operators continue to need large amounts of capital in the process of development. The only choice is bank-related lending products, such as China Merchants Bank Business Loan. What are the application conditions?
What is a business loan from China Merchants Bank? China Merchants Bank's "Business Loan" is a comprehensive financial service product specially designed for small and micro enterprises and individual industrial and commercial households to solve short- and medium-term operating capital turnover, daily payment settlement and financial management. The loan subjects are POS merchant operators, small and medium-sized enterprise owners, individual industrial and commercial households and other natural persons. China Merchants Bank's "Business Loan" combines four major features and strives to provide the best financing services for small and micro enterprises.
Application conditions for China Merchants Bank business loan: 1. Age: age ≥ 18 years old; age + loan period ≤ 70 2. Household registration: legal and valid identity certificate (in principle, it must be a domestic person) 3. Work Experience: More than 2 years (inclusive) of continuous successful independent operation experience in the industry corresponding to the loan purpose 4. Liability requirements: household asset-liability ratio ≤ 70%, household net assets ≥ 500,000, and household net asset loan coverage ratio ≥ 1 (if Guarantor guarantee: The loan coverage ratio of the net assets of the applicant’s family + the guarantor’s family is ≥ 1), the credit amount is ≤ 20% of the sales; the operating loan limit of a single borrower is ≤ 5 million. 5. Credit requirements: Credit record is Level 2 or above ( Including), no record is deemed to meet the conditions 6. Guarantee method: the guarantor’s credit level is above level two, and not lower than the applicant’s credit level; the guarantor’s family net assets ≥ the borrower’s family net assets 7. POS record: POS receipt provided by the applicant The single transaction flow record is more than 1 year old, and the flow is continuous and uninterrupted every month; the average monthly POS acquiring amount in the past 6 months is not less than 100,000 yuan; the POS acquiring transaction flow provided by the applicant has been stamped with the acquiring account Banking business seal; the transaction flow of acquiring POS accounts shall be in line with the applicant's actual operating conditions, and transaction flows that are not in line with the applicant's actual operating conditions shall be eliminated.
China Merchants Bank business loan application materials: 1. Proof of identity: ID card, household register 2. Proof of marriage: marriage certificate or divorce certificate, single declaration, unmarried statement 3. Proof of local residence: last 3 months Fixed telephone or water, electricity, bill payment receipt 4. Business qualification certificate: business license, organization code certificate, tax registration certificate, company articles of association and capital verification report, enterprise industrial and commercial registration information inquiry form, account opening license, loan card (individual business license) Account: business license) and financial statements (optional) 5. Proof of business status: sales business contract or bank statements or statements in the past three months, on-site photos 6. Proof of financial resources: proof of family and business financial assets, non-financial assets and Proof of income, etc. 7. Proof of purpose: purchase and sales contract, lease agreement, cooperation agreement or value-added tax invoice, etc.