1. Industrial and Commercial Bank of China 95588. Bank of China 395566. Agricultural Bank of China 95599. China Construction Bank 95533 5. Guangdong Development Bank 95508 6. Shanghai Pudong Development Bank 95528 7. CITIC Industrial Bank 95588. Postal savings and remittance bureau 1 188. 8+0 10. Shenzhen Development Bank 9550 1 1. Bank of Shanghai 962888 12. Minsheng bank 95568 13. Bank of communications 95559 14. Huaxia Bank 957765756

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different. According to different classification standards, there are many types of bank loans. For example:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the loan scale, it can be divided into wholesale loans and retail loans;

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

Successful lending can refer to the following skills:

1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.

4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.

What's the customer service phone number of the credit loan?

Rural credit cooperatives: 96596

The telephone number of credit loans is different for each bank, and only rural credit cooperatives have a unified telephone number. Although rural credit cooperatives do not have a special loan telephone number, users can call the national unified customer service telephone number set up by rural credit cooperatives for consultation. After getting through the customer service phone, you can directly turn to the 0 key for manual service consultation, or you can log in to a rural credit cooperative in official website to inquire.

Here is a description of the credit loan telephone numbers of other banks.

1, the telephone number of Ping An Bank's credit loan is 955 1 1, which is a national unified telephone number.

2. loan: 0538-86 1 1-9289, which is a quick loan diversion app developed and operated by Guangdong hexiang technology co., ltd.

3. China Merchants Bank 800-820-5555

4. Bank of China 800-820-5288

5. China Construction Bank 800-820-0588

6. Agricultural Bank of China 800-8 19-5599

7. Bank of Communications 800-988-8888

8. China CITIC Bank 800-999-5558

9. Minsheng Bank 800-8 10-8008

10, Shanghai Pudong Development Bank 800-820-8788

The following are national calls.

1 1, Industrial Bank 9556 1

12, Industrial and Commercial Bank of China 95588.

13, Bank of China 95566

14, China Construction Bank 95533

15, Industrial and Commercial Bank of China 95588

16, China citic bank 95558

17, Agricultural Bank of China 95599

18, Minsheng Bank 95568

19, China everbright bank 95595

20. Bank of Communications 95559

2 1, Guangfa Bank 95508

22. Shanghai Pudong Development Bank 95528

23. Shenzhen Development Bank 9550 1

24. Huaxia Bank 95577

25. Industrial Bank 9556 1

Why do you often get calls from banks recently?

Maybe it's a promotion or your information has been stolen.

1, sales promotion: Now the problem of user information leakage is very serious. Even if you haven't applied for a loan before, as long as you have online behavior, it is recorded in online big data. Moreover, this information is easy to be bought and sold by criminals, so you will often receive various advertisements for handling credit cards and loans. If users are not interested, they can set to reject these calls or text messages.

2. Information stolen: If the user did not apply for the loan himself, but the information was stolen by others, now if the other party is not overdue, then the platform will definitely make a dunning, and naturally it will always receive calls. In addition, there is a similar situation, that is, when others apply for loans, they leave users as emergency contacts on the loan application form. Now the platform collection is also to know the latest developments of borrowers from emergency contacts.

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First, the consequences of bank loans overdue.

1, resulting in penalty interest.

The regulations of each lending institution are different. As long as it is overdue, there will be a penalty interest, that is, a certain percentage of interest will be added on the basis of the original interest. The longer the time, the higher the cost.

2. Take collection measures

If it is overdue for a long time, lending institutions will send staff to collect it, while financial institutions generally will not adopt violent collection methods, but it will also have a certain impact on personal life. It is recommended to repay as soon as possible.

3. Affect credit

As long as the lending institution accesses the credit information, it will leave a bad record after the deadline. If the circumstances are serious, it will not only be included in the list of untrustworthy people, but also affect many businesses in the future, and even be restricted from leaving the country and not being able to take planes or high-speed trains.

4. It depends on the tolerance period of the lending institution.

At present, most lending institutions consider from the perspective of humanization, one is to avoid hurting customers' face, and the other is to recover debts. Generally, a grace period of 3-5 days will be given, and some bad records will be recorded after the grace period. Some lending institutions will clearly tell lenders that there is a tolerance period for repayment, while some lending institutions have not clearly stated that there is a loan tolerance period. When loans overdue exceeds the tolerance period, it will be credited. Therefore, how long it takes loans overdue to grant credit depends on the tolerance period of lending institutions.

Second, can bank loans overdue be washed white?

Can't! You can often see that kind of advertisement on the internet. It's all a lie. Don't believe that no one can modify the personal credit record of the central bank without authorization. If you want a good credit report, you can only pay back the money on time, and there is no other way.