1. Which bank offers the best credit card loans?

Introduction to the top ten bank loan products: 1. Industrial and Commercial Bank of China product name: Financial E-loan interest rate: about 7.2% annualized, and can be even lower when encountering preferential activities. Limit: 600-800,000, basically equal to the credit card limit. Term: Generally 2 years, maximum 5 years. Four repayment methods are supported: equal principal and interest, equal principal, one-time principal payment with interest on schedule, one-time principal and interest payment, and early repayment is supported. 2. China Construction Bank product name: Quick e-loan interest rate: annualized around 6%. Quota: up to 300,000. Term: 1 year. One-time repayment of principal and interest. Evaluation: You need to have business dealings with China Construction Bank to get a limit, such as mortgage, financial management, provident fund, etc. 3. Agricultural Bank of China product name: NetJie Loan interest rate: annualized around 5%. Quota: up to 300,000. Term: 1 year. One-time repayment of principal and interest. Evaluation: The application threshold is relatively high, but there are also opportunities to provide quotas. Friends who have business dealings with Agricultural Bank of China can try it. 4. Shanghai Pudong Development Bank product name: Point loan interest rate: annualized 6.3%. Quota: up to 300,000. Term: 5 years. For those with more than 1 year, you can only choose the repayment method of equal installments of principal every month or equal installments of principal and interest this month. Comment: But you need to have provident fund to get a loan, and not all cities are open to it. 5. Bank of China product name: E-loan interest rate: annualized around 6%. Quota: up to 300,000. Term: 1 year. Interest is paid monthly and the principal is repaid upon maturity. Evaluation: A popular product of state-owned banks, the application threshold is high. 6. CITIC Bank product name: Dream Gold Interest rate: 9% annualized. Quota: up to 300,000. Duration: up to 3 years. Repay monthly, equal principal and interest. Evaluation: The threshold is not high. You can basically apply for a credit card from CITIC Bank, but some of it will occupy the credit card limit. 7. CITIC Bank Product Name: New Quick Cash Interest Rate: The normal annual rate is about 9%, and it drops to about 6.8% during promotional activities. Quota: up to 300,000. Duration: up to 3 years. Repay monthly, equal principal and interest. Comment: Some of it will occupy your credit card limit. 8. Everbright Bank Product Name: Provident Fund Loan Interest Rate: Annualized: About 6%. Quota: up to 300,000. Duration: up to 3 years. There are two repayment methods: equal principal and interest, and monthly interest repayment. Comment: Provident fund is required, but not all cities are open to it. 9. Postal Bank product name: Postal loan interest rate: annualized is about 14%. Quota: up to 200,000. Duration: Maximum 2 years. Equal principal and interest. 10. China Merchants Bank product name: E loan interest rate: about 18% annualized, with a daily interest rate of RMB 50,000. Quota: up to 300,000. The amount is non-recyclable. Duration: Maximum 2 years. Equal principal and interest.

2. Which bank has the lowest credit card loan interest

Generally speaking, the installment fee for ICBC credit card is lower, but it needs to be collected in one go.

1. ICBC credit card installment handling fee: no handling fee for 3 installments, 3.6% for 6 installments, 5.85% for 18 installments, 15.6% for 24 installments (one-time charge).

2. Agricultural Bank of China credit card installment fee: 0 per month

3. Bank of China credit card installment fee: 1.95% for 3rd period, 3.6% for 6th period, 5.4% for 9th period, 12th period 7.5%, 11.7% for 18 periods, 15% for 24 periods (one-time charge).

4. CCB credit card installment fee: 0.7% for 3rd period, 0.6% for 6th period and 12th period (charged every month).

5. CITIC Bank credit card installment fee: 0.82% for 1 and 6 periods, 0.77 for 12 periods , 0.66% for 12 periods (charged every month).

7. China Merchants Bank credit card installment fee: 1.0% for 2nd period, 0.9% for 3rd period, 0.75% for 6th period, 0.7% for 10th period, 0.66% for 12th period, 0.68% for 18th period, 0.68% for 24th period (charged every month).

8. Bank of Communications credit card installment fee: 0.72% per month (charged every month).

9. Guangfa Credit Card installment fee: 665%, 0.7% for 18th period, 0.72% for 24th period (charged every month).

10. Everbright Credit Card Installment Fee: If you apply for installment repayment before consumption, 12-month installment will be charged at 0.5% per month. The types of bill installments include 3, 6, 9 and 12 installments, and the handling fees are 2%, 4%, 5% and 6% respectively (charged in one time).

Provide cardholders with short-term overdrafts within the specified limit when making purchases with the card.

For credit cards, allowing "spend first, repay later" and overdraft are important features. For debit credit cards, "deposit first, then spend", but subject to review and guarantee, cardholders are also allowed to overdraft an appropriate amount within a short period of time when they need funds urgently. Overdraft interest is generally much higher than that of bank loans in the same period. Measures should be taken to prevent and recover overdraft risk losses.

Credit card overdraft interest will be calculated as daily interest within 15 days from the date of signing or bank accounting (including the current day). If the interest exceeds 15 days or the overdraft amount exceeds the prescribed limit, daily interest will be calculated. Calculated at fifteen thousandths. Overdraft interest is not calculated in stages, but is calculated based on the highest interest rate bracket for the final term or the maximum overdraft amount.

Take a card purchase of 50,000 yuan as an example. If there is a period of 45 days from the accounting date to the repayment date, and the cardholder repays 40,000 yuan on the repayment date. If you hold a card from China Construction Bank or China Merchants Bank, the interest will be calculated based on 50,000 yuan at a rate of 50,000 yuan per day, and you will have to pay overdraft interest of 1,125 yuan within 45 days.

If you hold an ICBC credit card, you only need to calculate overdraft interest on the unpaid 10,000 yuan. The overdraft interest to be paid within 45 days is 225 yuan, a difference of 5 times. If the failure to repay the loan on time is not due to the inability to repay, but due to a very small error due to misremembering, the difference is even greater.

If a consumer is overdrafted in full and unable to repay on time, overdraft interest and other fees will be incurred, causing the amount of debt to exceed the limit. Since the overdraft is due to the fees of the credit card itself, for this In this case, some banks do not charge additional fees. For example, China Construction Bank and China Merchants Bank Credit Card Centers have stated that there is no provision for over-limit fees.

However, ICBC and China CITIC Bank Credit Card Center stated that if the amount owed exceeds the credit card limit, an over-limit fee of 5% will be charged for the excess amount. However, ICBC stated that within an over-limit period, , is only charged once, while CITIC Bank stated that the over-limit fee is calculated with monthly compound interest.

If a cardholder uses an organizational card for overdraft, his or her organization shall be responsible for repaying the overdraft amount and paying overdraft interest. If a cardholder has an overdraft using a personal supplementary card, the principal cardholder shall be responsible for repaying the overdraft amount and paying overdraft interest; if the principal cardholder loses the ability to repay, the supplementary cardholder shall be responsible for the overdraft. Repayment of the amount and liability for payment of overdraft interest.

3. Which bank is better for credit card loans

Credit card loans refer to banks granting a certain amount based on the credit card holder’s credit status, and the card holder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment. Period is one of the bank credit card consumer credit services, that is, when credit card holders make purchases, they can choose to divide the total price of the purchased goods or services into a number of periods such as 3, 6, 12 or 24 periods. (monthly) installment payment.