The latest loan slot of China Merchants Bank’s credit card can lend up to 300,000 yuan

For many cardholders who are in urgent need, the credit card limit alone is far from meeting their large consumption needs. However, if you have a credit card, you can also use it to apply for a loan. China Merchants recently launched a credit loan product called e-Zhaodai. It’s pretty good and can lend up to 300,000 yuan. Let’s take a look.

For customers’ cash needs, China Merchants Bank has four products, namely cash installments, mobile cash withdrawals (also called overdraft cash withdrawals), consumption reserves, and e-loans.

The circle of friends has started shouting again in the past few days: a new investment platform has been launched. No information is required, no mortgage is required, and the maximum loan is 300,000. Anyone who knows, please come quickly.

As soon as I saw the news, I immediately opened "Handheld Life" to see if there were any new products online.

Sure enough, in the middle of the card payment section, I saw an "e-Zhao Loan" with a red mark clearly indicating 300,000.

Click in and take a look. It is similar to borrowing money. The highlight is that it is an independent account, which does not occupy the credit limit. It can be used for separate accounts and separate repayments.

But not everyone can apply. As it continues to be open, I am one of the ineligible ones. So don’t hold out too much hope.

For customers’ cash needs, China Merchants Bank has four products, namely cash installment, mobile cash withdrawal (also called overdraft cash withdrawal), consumption reserve fund, and e-loan.

For cash installments, experienced veterans all know that if the cash installment amount is greater than the available amount, the purpose of increasing the amount can be achieved (fixed amount = original fixed amount + cash installment amount). On the contrary, if the cash installment amount is If it is less than the available limit, the credit limit will be occupied.

The maximum amount of cash installment is 5W, and the rates vary depending on the number of installments: the rates for the 3rd period, 12th, 18th, and 24th period generally do not have discounts, but they meet the standards. There will be activities that offer discounts or give away gifts and points.

The daily limit for mobile cash withdrawals is 5k, the handling fee is 1% of the transaction amount, the minimum daily expected annualized interest rate is 10 yuan/transaction, and the maximum annualized interest rate is 300,000 for the consumption reserve fund, and the monthly handling fee rate is Individual qualifications are slightly different). What is different from the other three products is that the approved payment is credited to the credit card in your name. Therefore, if you cannot spend through the credit card and want cash directly, you have to go to TX or withdraw cash. This step is not cheap either. And not everyone is eligible to apply.

eZhao Loan is a credit loan with a daily interest rate of .

Through comparison, we can find that cash withdrawal on the mobile phone is the most undesirable. Although consumption reserves and e-loans have large advantages, they are difficult to apply for. The cost of cash installment is the lowest, but it carries the risk of occupying the credit limit. Many people are studying methods to make the cash installment limit larger than the available limit, but different people try the same method and have different results. For interested card friends, we can Communicate privately.

Friendly reminder:

1. Due to Ping An system maintenance, credit cards whose first 8 digits are 62215608 cannot be repaid through Alipay. You can repay through WeChat or bank cards. Most banks support free inter-bank repayment. For example, China Merchants Bank can repay directly through Palm Life, which is very convenient.

2. I just saw Alipay’s notification that tomorrow is the first anniversary of Word of Mouth, and there will be activities coming. Card friends who want to make money can click on Alipay to research before going to bed (anyway, it’s the last time before going to bed. The thing is playing with mobile phones~)

Can ordinary people get a loan of 300,000? Find out more about China Merchants Bank’s 300,000 credit loan!

With the continuous progress of social economy, there are endless loan products on the market. Nowadays, if people need money, they can just search in the mobile app store and a variety of loan software will appear for them to choose from. A friend asked, can ordinary people get a loan of 300,000? Find out more about China Merchants Bank’s 300,000 credit loan!

Can ordinary people get a loan of 300,000?

As we all know, most bank loans are not cash loans. They are similar to large loans such as home loans and car loans. After ordinary people apply for a loan, it does not mean that the loan can be repaid. Convert it into cash and keep it in your own hands. China Merchants Bank has launched two credit products that can provide ordinary people with consumer loans of 300,000 yuan in cash.

1. Consumption reserve fund

Consumption reserve fund is a credit product specially developed by China Merchants Bank for China Merchants Bank credit card users. It can enjoy a maximum limit of 300,000 and can directly apply for cash withdrawal. The minimum monthly rate for consumption reserves is different depending on the user's credit level, and the monthly rates that can be applied for are also different.

Of course, the loan limit for consumption funds is directly transferred to the China Merchants Bank credit card. If the user applies for cash withdrawal, there will be a certain handling fee.

2. e-Zhao Loan

e-Zhao Loan is another loan product provided by China Merchants Bank to customers. It is a personal credit consumption loan. Different from the consumption reserve fund, e-recruitment loan is an independent account, which does not occupy the credit card limit and can be used repeatedly. Users who want to apply for e-recruitment loans must first become a customer of China Merchants Bank and meet certain conditions. For specific circumstances, please consult the customer service staff of China Merchants Bank.

The above is the sharing of relevant content about "Can ordinary people get a loan of 300,000?", I hope it can help everyone!

How to get a China Merchants Bank credit card loan? You can apply like this for 300,000 yuan!

All major commercial banks have established their own credit card business. Among the major banks, China Merchants Bank's credit cards are relatively influential and have a large number of users. Many cardholders want to get loans through CMB credit cards, but they don’t know how to get CMB credit card loans. Today I will introduce to you how to get a loan.

Judging from the current situation, it is relatively convenient to use China Merchants Bank’s credit card loan method. You can apply for it through China Merchants Bank’s credit card APP “Pocket Life”, mobile banking, etc. The loan products you can choose from include e-loans, bill installments, car installments, etc.

Here we take e-loan and car installment as examples to explain how to get a China Merchants Bank credit card loan.

Ezhaodai

ezhaodai is a pure credit loan product that can directly withdraw the loan in cash, with a maximum limit of 300,000 yuan. The operation steps are as follows:

1. Open your own CMB Credit Card APP "Pocket Life" and log in to your account;

2. On the "My" page, click to enter "Line of Credit" ”;

3. On the page, you can find the e-loan application entrance;

4. After you activate e-loan and obtain loan credit, you can apply for cash withdrawal;

5. After receiving a call back from China Merchants Bank’s credit card customer service, you can get the money quickly.

Car installment

Car installment is a type of car loan provided by China Merchants Bank to credit card holders, with discounts such as 0 down payment and 0 interest. The operation steps are as follows:

1. Make an appointment online to apply for a quota and wait for the staff of China Merchants Bank to contact you;

2. After passing the qualification review, you need to pay a down payment and apply for insurance; < /p>

3. After everything is done, everyone can pick up the car.

The above is about how to get a credit card loan from China Merchants Bank. I hope you have understood the general application method.

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That’s it for the introduction of China Merchants Bank’s 300,000 limit credit card.