How to apply for a credit card loan
How to apply for a credit card loan
1. Dial the bank phone number to apply: The user directly dials the phone number of the relevant bank and indicates that he or she wants to apply for a credit card loan. To apply for a credit card loan;
2. Go to the bank's online store to apply: the user provides the bank with the credit card number, name, and the last three digits on the back of the credit card to clarify the purpose of funds and installments for the personal credit card loan. Count etc. After bank staff verify that everything is correct, the credit card loan business can be opened.
How to apply for a loan with a credit card.
Generally speaking, loans using credit cards can be divided into new loan models and traditional loan models. Judging from the current situation, new loan models are relatively popular. The general lending model is as follows:
1. Many banks have now begun to provide specialized consumer loan products for their credit card users. These products do not share the credit limit with credit card bills, such as China Merchants Bank’s e-loans. Zhaodai, Bank of Communications’ Haoxiangdai, etc.
2. If you are buying a car for a loan, you can also apply for a car installment loan directly through a credit card. Currently, bank credit card car installment loans often have many discounts. Not only do they have an interest-free policy, but you can also purchase a car with zero down payment for designated models.
3. In addition, some online loan platforms now also accept credit card loans. Interested friends can try it on online loan platforms.
4. In addition to the above-mentioned new loan models, cardholders can also obtain loans through credit cards through traditional loan models. Withdrawing cash directly through a credit card and applying for cash installments are both methods of applying for a loan using a credit card. However, it should be noted that the interest and handling fees for credit card cash withdrawals are very high, so this method is not suitable for long-term and frequent use.
The credit limits of different levels of credit cards will be very different:
1. Common card credit card limit:
The credit limit of common card is usually 1000-1 Some banks even offer credit cards with a credit limit of 1 cent or 10 yuan, ranging from 10,000 yuan to 10,000 yuan. Some people have received credit cards with a limit of 0 yuan, which require a deposit before consumption.
2. Gold card credit card limit:
The approval of gold card is stricter than that of ordinary cards, and the limit is relatively high. The card surface is mostly golden, and the limit is between RMB 10,000 and 50,000. During the period, the annual fee can usually be reduced by the number of card swipes.
3. Platinum Card Credit Card Limit:
The Platinum Card has a silver-white face with the letter P or Platinum on it. The credit limit is between RMB 50,000 and RMB 500,000 and the annual fee is past It ranges from 2,000 yuan to tens of thousands of yuan.
4. Unlimited credit card limit:
The color of the card is usually black, also called a black card, and there is no upper limit for the limit above 500,000.
How to apply for a credit card loan?
If you can apply for a loan with a credit card, the maximum loan application limit can be up to 200,000 yuan. However, the basic prerequisite for applying for this card is that your personal credit is good and you must have a certain ability to repay.
Basic credit card loan process:
1. The cardholder calls the bank to apply for a loan;
2. Provides credit card information (name, name, back of credit card last 3 digits);
3. Explain the purpose of the loan, and note that the loan amount cannot be used for loan repayment, investment, etc.;
4. Confirm the repayment agreement and provide Debit card in my name so that the applied cash installment funds can be transferred;
5. After approval by the bank. Once approved, the account will generally arrive within one day.
How to get a loan with a credit card? Applying for a loan with a credit card is so easy
You can easily apply for a loan with a credit card. In fact, many cardholders don’t know this. Except for some credit card holders on the market, In addition to online platforms that allow you to borrow money, credit cards themselves actually have such a "special function." How to get a credit card loan, how to apply for a credit card loan, this will tell you.
What is a credit card loan?
Credit card loans are simply credit card installment business, such as China Merchants Bank’s cash installment, Shanghai Pudong Development Bank’s Universal Finance, Bank of Communications’ angel loan, etc.
In fact, the business names of each bank are different, but the essence is the same.
A fund overdraft function provided by banks to cardholders, which converts the consumer loan function of credit cards into unsecured ones. It is actually a credit card transfer loan business. After the credit card loan application is approved, the bank will transfer part or all of the credit card limit to the debit card, and the loan will be repaid according to the repayment period agreed with the bank, and the cardholder will pay the corresponding handling fee.
How to get a credit card loan
The threshold for credit card loans is generally not high. As long as the cardholder has a good consumption and repayment record, the application to the bank will generally be approved when cash is needed. Some banks take the initiative to apply for credit card loans, but most of them require cardholders to actively apply based on their own needs. The process for cardholders to actively apply is roughly as follows:
1. Call the bank’s credit card customer service number and find a manual service.
2. Tell the customer service that you want to apply for a credit card loan or cash installment. The customer service will ask you what you will use the funds for. Remember not to say it is for investment, it can be anything else. After passing the review, you will be asked to tell the last three digits on the back of the credit card, and then transfer the funds to the credit card of the credit card issuing bank. It can be a credit card of other banks, but other bank cards will charge a handling fee.
More and more people are applying for credit cards to meet their daily consumption and expenses. If you also want to apply for a credit card, let us give you a safe and fast application entrance! Just click on the credit card application portal. There are the most complete types of cards here, it just depends on which one you want to apply for!
What are the conditions for bank credit card loans? What are the procedures for applying for a credit card loan?
Banks are actually very welcoming to users who want to borrow money from them. Generally, users who have their own credit cards can also apply for credit card loans if their credit limit is insufficient or they have large consumption needs. However, many friends do not know much about credit card loans. Let me introduce to you the conditions for bank credit card loans and the process of credit card loans.
Bank credit card loan conditions
1. You must have a credit card from the bank you want to apply for a loan, and it must be in normal use.
2. The credit card you hold has a good card usage record and cannot have any overdue repayment record.
3. Credit card types that are not restricted, such as Bank of Communications’ business cards, quasi-credit cards, installment cards, and supplementary cards, are not supported for credit card loans.
4. Credit card loan funds can only be used for consumption and cannot be used for investment, such as house purchase, stocks, futures, etc., as well as restricted merchant types specified by the bank.
1. Apply by phone. Call the bank's customer service hotline and apply for a credit card loan. For example, Guangfa's loan is called "Caizhijin", Pudong Development Bank's is called "Wanyongjin", and Bank of Communications's is called "Haoxiangdai". If you really don't know the name, just ask for cash installment.
2. Bank review. Customer service will first ask for your bank card and related basic information. The bank then reviews your application.
3. Sign the contract. After passing the review, you need to sign a contract and then confirm your loan amount and the number of installments. For example, Bank of Communications' Haoxiangdai requires you to set the starting transaction amount.
4. The money arrives. After the review and signing is completed, the loan funds can be used. At this point, the credit card loan has been successfully processed.
That’s it for “What are the conditions for bank credit card loans? What are the procedures for credit card loans?” I believe everyone knows it! In addition, if the loan needs to be repaid in time, pay attention to the repayment due date.
How to apply for a credit card loan?
1. Call the bank to apply.
Remember, never say you want to apply for a credit card loan right away. Remember the term "cash installment". Some banks have other names, such as Guangfa's "everything red". Pudong Development Bank is called "Wanjin. Anyway, if you don't know, just say you want to apply for cash installment.
2. Provide credit card information.
Customer service will ask you 3 questions:
1. Name, last 3 digits on the back of the credit card.
2. Purpose of cash installment.
As long as the answer is for re-education.
3. Confirm the number of cash installments for repayment. Ask the customer service how many installments there are and what the handling rates are. Ask them to help you calculate it, and then you can measure how many installments to repay.
What the bank has to do:
1. Review your information. Whether the information you provide is accurate, you need to confirm that it is you who is handling it.
2. Review how much amount you can handle. It will be decided based on the applicant’s daily card usage, credit card limit, and repayment status. The card usage is good and the repayment status is good. The higher the credit limit, the higher the cash installment amount that can be processed.
After the final review is successful, you will provide a debit card account number, preferably a debit card from the credit card issuing bank. If it is a debit card from another bank, a handling fee will be deducted.
This is the introduction of how to apply for a credit card loan.