Industrial Bank's cash lending is a short-term cash lending business and short-term cash overdraft transfer service for credit card holders. You can transfer the money in your credit card to your debit card and repay it according to the repayment date agreed upon at the time of application. Then, how can Industrial Credit Card repay the loan? What will happen if it expires? Let's have a look.
How to repay Industrial Credit Card?
After Xingye successfully applied for a loan, it only needs to repay the interest generated on the closing date of the account every month, and then repay the principal and residual interest in one lump sum on the agreed repayment date. It should be noted that there are many ways for Industrial Credit Card to repay with borrowed money. You can repay on schedule or in advance, as follows:
1. Repayment on schedule: After the monthly bill comes out, your loan interest will be included in the minimum repayment amount of the current bill. All you have to do is pay the bill. You can repay through mobile banking, WeChat and Alipay.
2. Prepayment: You can apply for prepayment through mobile banking, online banking, WeChat or calling customer service. After the approval of the bank, the interest will be calculated until the date when you apply for prepayment. The interest on the remaining loan that has not been repaid in advance is still calculated to the repayment date agreed by the customer.
What will happen if the Industrial Credit Card expires with the loan?
1. If the loan amount is not repaid on the agreed repayment date, interest will be charged on a daily basis according to the calculation standard of cash advance, with a daily interest rate of 0.5 ‰ and compound interest on a monthly basis.
2. If the bill cycle fails to repay on the last repayment date beyond the agreed repayment date, it shall be liable for breach of contract such as interest and liquidated damages.
3. Once overdue, it will also generate bad credit, which will affect personal credit, and it will be easy to be rejected for bank credit business such as mortgage and car loan in the future.
The above is "How can I repay with Industrial Credit Card? The consequences of not returning due are very serious! " Related introduction. In short, Industrial Credit Card only needs to pay interest every month, and the principal and residual interest will be paid in one lump sum after maturity. Of course, you can also choose to prepay. No matter which way you repay, you'd better not be overdue, otherwise the consequences will be too serious for you to bear.
What does CITIC Bank mean by borrowing money?
The loan from CITIC Bank is very suitable for short-term users, and the application is simple and quick. The handling fee of 654.38+00000 yuan is 4 yuan, which is much less than the interest expense of consumer loans. So how to open and apply specifically?
Lending treasure is a cash loan product provided by CITIC Bank to eligible high-quality cardholders to support short-term turnover based on "Lending treasure electronic credit card". After successful application, the cash will be transferred to my debit card or CITIC Blue Card account.
Loan amount: the minimum amount is 10000, and the applied amount is an integer multiple of 1000. The bank will comprehensively determine the loanable cash limit according to the credit status.
Loan term: 7 days/10 days/14 days /20 days.
Billing method: Daily billing.
Daily handling fee rate (such as borrowing from 4 yuan 1 10,000-day handling fee).
Repayment method: one-time repayment
Industrial credit card loan
Xingye Lending is a short-term cash lending product based on credit card. Eligible cardholders apply for a loan within the available cash advance, and the application amount will be transferred to their own account with the same name, and then repayment will be made as agreed.
First, the basic definition of borrowing money
Lending treasure is a short-term cash overdraft transfer service for industrial credit card holders. After the application is successful, the cash will be transferred to my account with the same name in real time.
This product has the advantages of no material, no mortgage, real-time approval and second-level loan. The loan days can be selected within the range of 1-90 days. Before the agreed repayment date, only the handling fee will be repaid every month, and the principal and the remaining handling fee will be repaid in one lump sum on the agreed repayment date.
Second, the characteristics of loan products
Daily bill: support repayment on the same day and the next day.
Borrow and return: there is no extra charge for prepayment.
Repay the principal at maturity: repayment is easier.
Flash loan: the transferred funds arrive in real time.
Convenient application: You can apply within the withdrawal limit without making an appointment for mortgage guarantee.
Third, the application channels for loans.
Industrial credit card holders can apply for a loan in two ways:
1, through Industrial Online Banking-Credit Card-Pay as You Borrow;
2. Call 9556 1 to apply manually.
Four, the loan fee standard
The loan requires a one-time handling fee and a daily handling fee. The specific charging standards are as follows:
1. One-time handling fee: standard rate 10 yuan/pen.
2. Daily handling fee: the standard rate is 0.05%/ day. 2065438+June 30, 2007, you can enjoy a 20% discount on the daily handling fee, that is, 0.04%/ day.
Citic borrows money
China Credit is a short-term cash loan product based on credit card. Eligible cardholders can apply for a minimum loan amount of 6,543,800 yuan, and the specific amount will be determined by CITIC Bank according to the credit status of cardholders.
1. What is CITIC Loan?
Lending treasure is a short-term cash loan product of CITIC Bank, relying on "Lending treasure electronic credit card". After the application is successful, the cash will be transferred to the debit card or CITIC Blue Card account in the applicant's name.
This product has the advantages of no materials, no mortgage, real-time approval, second-level loan and so on. Multiple loan days of 7/ 10/ 14/20 days can be provided, and the daily loan rate is 0.05%.
Second, the basic situation of CITIC Company's loan
1, only eligible CITIC Credit Card Premium Cardholders.
2. Only cardholders of CITIC Credit Card can apply, but cardholders of official cards or supplementary cards cannot apply.
Three. Scope of CITIC loan line
The minimum loan amount is 10000 yuan, the maximum loan amount is 300000 yuan, and the application amount is an integer multiple of 1000 yuan; The specific loan amount is determined by CITIC Bank according to the credit status of the cardholder.
It should be noted that there is a temporary installment limit when handling loan business, and the processing amount is greater than the temporary installment limit, and the excess will occupy your permanent limit; The temporary limit will be deducted first for each repayment. After the temporary quota is paid off, the permanent quota will continue to recover with the monthly repayment.
If there is no temporary installment limit when handling the loan business with capital, all the processing amount will occupy the permanent limit, which will be continuously restored with the monthly repayment.
4. How to apply for a loan from CITIC?
1. The cardholder logs in and fills in the authentication information, loan amount, installment times and other information;
2. After successful processing, the bank will lend money in real time, and the loan can be completed in 5 seconds at the earliest;
3. Cash arrives at the debit card account in the applicant's own name.
What's the matter with a credit card loan from CITIC?
Credit card loan of CITIC Bank is a large cash transfer service of "short-term turnover and daily billing" for qualified CITIC quality cardholders. You can apply for real-time approval through the dynamic card space, and the money will be transferred to your debit card or CITIC Blue Card account in real time. If you successfully handle the cash loan business, you will be issued a "cash loan electronic credit card" by default. This card is only used for handling and repayment of this business, and cannot be used for online and offline consumption and cash withdrawal.
CITIC Bank defines the loan with money as a short-term cash installment service provided by the bank to cardholders by relying on the gold card with money. Cardholders can obtain funds through the transfer of the gold card with money, and then they need to repay the bank every day.
Supplementary information:
The handling fee rate of the credit card loan of CITIC Bank on the initial default date is 0.05%, and the calculation standard of the total handling fee is = the daily handling fee of the loan principal and the loan term. If you borrow 10000 yuan and the loan term is 7 days, then the total handling fee is 100000.05%7=35 yuan.
Credit Card-Cash Loan Business of CITIC Bank
What does it mean to borrow money by credit card?
CITIC Credit Card Loan is a short-term cash overdraft transfer service for credit card holders. The cardholder can transfer the funds within the credit card withdrawal limit to his account with the same name in real time.
The cardholder agrees on the repayment date when applying for loan with money (the loan days can be selected within the range of 1-90 days). Before the agreed repayment date, the cardholder only needs to repay the interest every month, and the principal and residual interest are repaid in one lump sum on the agreed repayment date.
Extended data:
1, product features of borrowed money:
Interest calculation on a daily basis: repayment on the same day and repayment on the next day are supported.
Borrow and return: there is no extra charge for prepayment.
Repay the principal at maturity: repayment is easier.
Flash loan: the transferred funds arrive in real time.
Convenient application: You can apply within the available withdrawal amount without making an appointment for mortgage guarantee.
2. Loan application channels:
WeChat channel: Pay attention to the official account of WeChat WeChat "CITIC Bank Credit Card" and click "Use Card-★ I want to borrow money ★" to apply.
Mobile banking channel: log in to our mobile banking and click "borrow money" to apply.
Online banking channel: log in to our online banking-credit card-loan application.
3. Loan charging standard:
The loan requires a one-time handling fee and interest, and the specific charging standards are as follows:
1. One-time handling fee: standard rate 10 yuan/pen.
2. Interest: five ten thousandths of the daily interest, compounded monthly.
References:
Baidu Encyclopedia-China CITIC Bank
The introduction of credit card borrowing with money and credit card borrowing with money ends here. I wonder if you found the information you need from it?