1. CMB e-Bank Loan is a flagship product of China Merchants Bank and is often promoted through various channels. I believe many friends have received text messages, phone calls, WeChat push notifications, etc. Based on feedback from other users, e The threshold for applying for a loan is low. As long as you have a credit card and no bad records, it is very easy to make a payment and is suitable for those who are in urgent need of money. However, the interest rate of e-loans is relatively high. You can choose to borrow and repay at any time. The interest is calculated on a daily basis, which seems relatively low. However, the daily interest rate is calculated on 30 days per month, so the monthly interest rate is compound interest. The annual interest rate is about 20. , relatively high.
2. Wanyongjin Pudong Development Bank Wanyongjin is a product that came out a long time ago. As long as you have a Pudong Development Bank debit card or credit card, you can quickly open it. The payment limit is related to the credit card limit, and you can withdraw cash directly. Come out and use it, and repay it monthly. You can choose to divide it into 6 or 12 installments. The interest rate of Pudong Development Bank's Universal Gold is lower than that of direct credit card overdraft, and it is similar to the interest rate of private online loans, but it is more convenient.
3. The two products of Yuan Meng Jin/Xin Kuai Cash are credit products under CITIC Bank. One is consumption installment and the other is cash installment. New Kuai Cash can be withdrawn directly to the bank card. Sometimes CITIC Bank will discount the interest rate for high-quality customers. For example, if you borrow 100,000 yuan in 36 installments, the interest rate of the new fast cash is discounted, and the monthly interest rate is relatively low.
4. Haoxiandai/Haoxiandai/Angel Loan. Bank of Communications has many types of loans. These three are more popular. They are just different in terms of restrictions. Some require a credit card, and some require a credit card. Some do not require a credit card, and some are only suitable for new customers. You can choose freely according to your own needs. To sum up, bank credit card loans are safe and reliable. As long as your credit report is good, the payment speed is very fast and you can get your money quickly in a few minutes. However, credit card loan interest rates are not particularly favorable. They are more cost-effective only when there are events. If you have a lot of credit cards, you can check each bank and choose the one with the lowest interest rate. The maximum penalty for a malicious overdraft on a credit card is life. The standards for filing a case must be clear. The consequences of a malicious overdraft on a credit card are serious. Be careful and you will have to pay back if you are punished