How long does it take to get a loan with a credit card?

If you want to get a loan, you must first ensure that your credit record is very good. Customers who have applied for a credit card but have been overdue for more than three times or have been overdue for more than 10 days in total, and customers who have applied for a home purchase mortgage, have failed to deliver the mortgage to the bank on time more than three times. Even if the loan is repaid afterwards, the bank will still refuse Apply for a loan for them. If the cardholder has a good credit record, he or she can apply for a credit card cash credit business from the card issuer, that is, a "cash installment" service. Through a credit card, one can borrow up to 50,000 yuan in cash from the bank to meet the cardholder's small capital needs, and the interest is It’s much lower than withdrawing cash directly with a credit card. Bank cash installment business is for individuals with pure credit, no guarantees and no mortgages.

How long does it take to get a credit card loan

Half a year

Conditions for applying for loan business:

Natural persons aged 18 to 65 years old;< /p>

The borrower’s actual age plus the loan application period should not exceed 70 years old;

Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

levy Good credit, no bad records, and the loan purpose is legal;

Other conditions specified by the bank.

Can I get a loan if I have a credit card (debit card) that has just been used for one month?

Credit cards (debit cards) cannot provide direct loans, but some banks will provide special credit installment cash installment services to high-quality cardholders, which is equivalent to loans issued in the form of credit cards (debit cards). Because the evaluation must be combined with the cardholder's card usage behavior, credit conditions, etc., there are also requirements for the usage time of the credit card (credit card).

For example, it is not possible to use a credit card (debit card) for just one month. It must be used for at least 6 months, and the spending ability and repayment ability are good before it is possible to get a special limit.