What are the conditions for the credit card loan of Guangfa Bank

Conditions for the loan application of Guangfa Bank

1. Applicants must be at least 25-55 years old.

2. The applicant must have a payment record of social security or provident fund or individual tax for more than three months.

3. The borrower has a fixed job and a stable economic income.

4. The applicant agrees to other regulations of Guangfa Bank.

Extended materials:

Materials and certificates required for application

1. Domestic residents only need to provide and fill in complete and signed application forms, identity documents, residence documents and income documents.

2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide a residence permit for foreigners (the reason for residence must be employment) or an employment permit for foreigners/Hong Kong, Macao and Taiwan people.

3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the date of commencement of business shall be provided.

4. If you want to apply for a large credit card, you need to provide proof of good economic strength, such as a copy of the real estate license, a copy of the automobile driving license, a bank lender (with good credit, overdue for no more than 6 days) or a copy of the deposit certificate.

does China guangfa bank have credit card loans?

China guangfa bank has credit card loans, which need a stable repayment source and good credit information or collateral with clear property rights, such as real estate and vehicles.

The loan requirements of Guangfa Bank are:

(1) permanent residence of urban residents who have reached the age of 18 and have full capacity for civil conduct, or legal and valid identity certificate, and bank loans require lenders to be generally between the ages of 18 and 6

(2) stable legal income and the ability to repay interest;

(3) Good credit information;

(4) Other conditions required by the lending bank.

Can Guangfa Credit Card get a loan?

Question 1: Can Guangfa Credit Card get a loan? Guangfa Credit Card can get a loan, just apply for its financial fund.

Pay attention to "Guangfa Credit Card" on WeChat and bind the credit card;

click on "cash in installments" in my service;

reply to 3 payments and apply for cash installment of Caizhi;

click to apply for financial intelligence fund to see what financial intelligence fund is;

enter the withdrawal password to enter the next step;

at this time, you can see the amount of money you can apply for;

then, to apply for welfare, you just have to pay it back as required every month.

Question 2: Can I get a loan with Guangfa Credit Card? Nowadays, it has become a popular way to buy a car by credit card installment. The most obvious advantage of Guangfa Bank's credit card loan to buy a car lies in its low cost, and the credit limit that cardholders can apply for is 2,-2,. There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for buying a car by credit installment, and Guangfa Bank only charges a handling fee. The handling fee rate of different installments is different, and Guangfa Bank has a great advantage in buying a car by credit card loan. The process of buying a car by credit card of Guangfa Bank: 1. Apply. First of all, look at the car you want to buy. Fill in the application form for automobile consumption loan and the questionnaire on credit status, and submit it to the loan bank together with the relevant certificates of personal situation. 2. Investigation and approval. The bank conducts pre-loan investigation and approval. Banks will promptly notify borrowers to fill in various forms if they meet the loan conditions. 3. Sign various contracts. Notify the borrower to sign the loan contract, guarantee contract and mortgage contract, and go through the formalities of mortgage registration and insurance. 4. Issue loans. The bank issues loans (directly transferred by the bank to the car dealer's account). 5. Pick up the car. The borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up slip issued by the bank. According to the regulations of the bank, the lender should deposit the principal and interest repaid in installments in the settlement account in advance, otherwise, the bank will charge a certain late fee. Car buyers can consider repaying the loan in advance if funds permit.

seeking adoption is a satisfactory answer.

Question 3: Guangfa Credit Card Loan There are several credit card loan products of Guangfa Bank, namely Guangfa "Finance Gold", which is an overdraft transfer installment repayment service provided by Guangfa Bank within the comprehensive credit line of customers' credit card accounts in response to the needs of customers' personalized repayment methods. Credit card loans can meet the cash needs of some cardholders, and credit card loans are based on credit card business, which is simpler and faster to handle, and can be regarded as a substitute for consumer loans.

Question 4: How does Guangfa Credit Card get a credit card loan? It means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment. Period is one of the credit services of bank credit card consumption, that is, credit card holders can choose to divide the total price of purchased goods or services into three, six, 12 or 24 periods and pay in installments.

Question 5: How can Guangfa Credit Card get a loan? Credit cards can assist in the approval of loans, but they are not necessary conditions for loans.

A borrower's good credit information can be conducive to the approval of the loan,

A bad credit information will make the loan more difficult or be rejected.

Question 6: Can Guangfa Credit Card be used for loans? A credit card means that the bank gives you a certain credit limit, and you can use it first and then repay it. For example, if your credit card limit is 5 yuan, you can use up 5 yuan at most, and then repay it in full according to the last repayment date on the bill, or by the minimum repayment amount.

I wonder if you have used your credit card? If you want to spend 1 yuan, you can just swipe your card directly.

Question 7: How much credit card loan of Guangfa Bank can be used as financial wealth, and the specific amount can be determined according to the amount of your card. You can apply in half an hour

Question 8: How can Guangfa Credit Card borrow about 9, yuan from the credit card limit of Guangfa Bank of 45, yuan? The loan amount is subject to the bank's audit, which is generally twice the fixed amount.

The process of handling credit card loans of Guangfa Bank is as follows:

Borrowers with loan conditions apply for handling credit loans of Guangfa Bank through GDB, and submit the original ID cards of themselves and their spouses (provide unmarried certificates for unmarried people), as well as their household registration, work, loan purposes and other relevant supporting materials.

GDB accepts applications and examines and approves relevant conditions of borrowers. If it is approved, it will go through the corresponding procedures for issuing credit loans and sign a loan contract. Finally, GDB issues loans to the account designated by the borrower.

Question 9: Can Guangfa Credit Card be used for loans? What conditions do you need? It is also ok for Guangfa Bank to need a loan

Question 1: What are the conditions for applying for a credit loan with a Guangfa credit card?

1. A natural person aged 18-65;

2. The actual age of the borrower plus the loan application period should not exceed 7 years old;

3. Have a stable job, a stable income and the ability to repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

how to borrow a credit card loan from guangfa? 8 channels for you to choose at will!

Now, the function of credit card is no longer limited to credit card consumption. You can use credit card to handle loans, shop in installments and so on. Many people who have Guangfa credit cards are asking how to borrow credit cards. I'd like to introduce the relevant contents here today.

You can apply for "financial gold" from Guangfa Credit Card through its "cash installment" function. Wisdom Gold can provide you with credit loans ranging from 1 million to 3, yuan, with a service life of 3-36 months, which can be handled through many channels.

There are eight channels for handling the financial gold loan of Guangfa Credit Card, such as Discover Wonderful APP, Guangfa Credit Card WeChat WeChat official account, self-service equipment CRS/ATM/VTM, mobile banking, online banking, QR code, SMS and 9558 customer service hotline.

here, I will tell you how to borrow Guangfa credit card loans by discovering wonderful APP and Guangfa Mobile Banking.

Discover a wonderful APP

Path 1 of APPlying for a loan from Guangfa Credit Card: Log in and discover a wonderful app, and click "installment → I want cash" to enter the loan application page.

Path 2 of APPlying for Guangfa Credit Card Loan: Find the "My" button in the wonderful app, and then follow the order of "installment loan" → "I want cash".

guangfa mobile banking

1. open your own guangfa mobile banking APP on your mobile phone and enter the "credit card" page;

2. through "I want to stage", find the application entrance of "ordinary financial gold/exclusive financial gold".

that's what I've introduced to you. I hope you've gained something.

how to get a credit card loan from China guangfa bank

yes, customers with credit cards of China guangfa bank can APPly for financial services in the app or call the credit card center of China guangfa bank.

To use Guangfa Credit Card, the following conditions must be met:

1. Applicants have an age limit and must be between 18 and 65 years old.

2. you must have a local household registration certificate, and if you are a foreign population, you need to provide a valid residence certificate as a supplement.

3. Have a stable income so that it can be used to ensure your repayment ability.

4. You must have a good credit card usage record.

As long as the borrower meets the above loan conditions, he/she applies for the credit loan of Guangfa Bank through GDB, and submits the above relevant supporting materials.

after the bank has passed the examination and approval, it shall go through the corresponding procedures for issuing credit loans and sign a loan contract. Finally, GDB will issue loans to the designated account of the borrower.

Extended information:

A simple and popular understanding of a loan is to borrow money with interest.

loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds.

Banks put the concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Credit Card (English: credit card) is a non-cash payment method and a simple credit service.

credit cards are generally plastic cards with a length of 85.6 mm, a width of 53.98 mm and a thickness of .76 mm (the size is defined by ISO 781 and 7816 series documents), which are issued to cardholders by banks or credit card companies according to the users' creditworthiness and financial resources. Cardholders do not need to pay cash when spending with credit cards, and then make repayment on the Billing Due Date.

except for some credit cards combined with financial cards, general credit cards are different from debit cards and ATM cards, and credit cards will not directly deduct funds from users' accounts.

History

The earliest credit payment appeared in Britain, a capitalist town at the end of the 19th century. Around the 198s, the British clothing industry developed a so-called credit system, which used credit cards to take popular goods back as early as possible when shopping. Tourism and business departments also followed this trend to seize business opportunities.

however, at that time, the card could only be used for short-term commercial credit in a specific place, and the money still had to be paid as needed. It could not be delayed for a long time, and there was no credit line. It was designed entirely on the basis of the capital credit of the wealthy population. In 195s, the first credit card for the public appeared. Frank McNamara, a credit expert in Manhattan, USA, ate in a restaurant. Because he didn't bring enough money, he had to ask his wife to send money.

This made him feel very embarrassed, so he organized Diners Club (English: Diners Club, which means Diners Card). After anyone is allowed to become a member, he can take a dining charge card to the designated 27 restaurants and charge the consumption without paying cash. This is the earliest credit card.

Since then, more and more partners have signed contracts, and the scope of services available for temporary overdraft has become wider and wider. People have become accustomed to this convenient transaction form without carrying cash, which has promoted the arrival of bank credit cards. Franklin National Bank was the first bank to issue credit cards, and other American banks followed suit.

Application

In most cases, citizens with full capacity for civil conduct (China is a citizen over 18 years old), who have certain direct financial resources, or college students without direct financial resources (only undergraduates, and some banks are limited to key universities of "211 Project" in China) can apply for credit cards from the issuing bank.

But now, in China, China Banking Regulatory Commission (CBRC) has strictly controlled students' handling of credit cards, so as to prevent students without stable income from abusing credit cards, overdrawing their credit prematurely and becoming card slaves. Almost all banks have stopped issuing student credit cards or required student guardians to sign third-party repayment agreements.

sometimes, a legal person can also be an applicant. Generally, the application method is to fill in the credit card application form and submit certain copies of documents and certificates to the issuing bank. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

issuance

usually, banks will judge whether to issue credit cards to applicants according to the application materials, examining the applicant's various information and economic situation, as well as the standards of internal credit review policies of banks. The factors considered are the applicant's past credit history, the applicant's known assets, professional characteristics, etc. The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand.

the standards of different card-issuing banks are also different. therefore, different banks may issue different credit lines and different types of credit cards for the same materials, and even some banks will pass the examination and some banks will refuse to issue them.