How to apply for a credit card loan

How to apply for a credit card loan

How to apply for a credit card loan. A credit card loan is actually a credit card cash consumption overdraft. After applying to the bank, and after approval, the bank will transfer the funds to the debit card given by the cardholder and then you can use it. How to apply for a credit card loan.

How to apply for a credit card loan 1

First, the advantages of a credit card loan

How to apply for a credit card loan? What is the process? For such questions, it is also very important to understand the advantages of credit card loans. When using a credit card to apply for a loan, the approval speed is very fast. According to different regulations of different banks, it can basically be successfully processed in one to two working days. Moreover, the procedure is very simple. You can apply for a loan by phone or online. It greatly facilitates people's application process and effectively meets people's loan needs.

Second, credit card loan application process

1. Apply to the bank

In order to effectively obtain a credit card loan, the most direct way is to apply to the bank Valid application. However, due to bank regulations, when applying, it cannot be said to be a credit card loan, but should be called a cash installment application.

2. Provide valid information

When applying to the bank, customer service staff will ask the user some questions.

(1) It is the name of the credit card, the name of the user and the 3-digit number on the back of the credit card, which is the CVV code.

(2) It is necessary to understand the purpose of the user's application for cash installment.

(3) To confirm the number of cash installments, the customer service will give a detailed introduction to the user, including the handling fee, which should also be understood through the explanation of the customer service staff, and then the user himself Choose the appropriate number of installments for repayment based on the actual situation.

3. Review required by the bank

When a user applies for cash installment, the bank will effectively review the user's application, including reviewing the user's personal information, such as Whether the application is done in person, whether the personal information is accurate, etc., the user's loan limit must also be reviewed, which is closely related to the user's usual credit record and repayment status.

How to apply for a credit card loan 2

1. What conditions are required for a credit card loan

1. Generally, banks will stipulate that you must have worked in the current unit for three months;

2. You must have no bad credit record and your monthly salary income must meet certain standards before you can apply;

3. If you have used a credit card, you can just go to the bank counter to apply, but The amount will not be very high;

4. The borrower's debt situation is good and he has the ability to repay;

5. He has a certain income and is stable, forming a stable bank flow.

2. What does a credit card loan mean?

Credit card loan means that the bank grants a certain amount of money 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.

The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure.

How to apply for a credit card loan

1. Apply by phone. A credit card loan is actually a credit card cash overdraft. After applying to the bank, and after approval, the bank will transfer the funds to the debit card given by the cardholder and then you can use it. Call the relevant bank customer service and tell the bank customer service that you need a credit card to apply for a loan.

2. Go to the bank to apply. You need to provide credit card information, such as, name, credit card loan purpose, etc., and wait for the bank to review your information. Whether the information provided is accurate, you need to confirm that it is you who is handling it.

How to apply for a credit card loan 3

1. Bind a savings card for automatic deduction

Many credit card issuing banks now provide automatic repayment services. In other words, If you have a savings card from this bank, as long as you set up automatic deduction, the bank will automatically deduct the payment when the credit card is about to expire. But the premise is that there must be money in the savings card. If the amount of funds in the card is too small and not enough to be deducted, it will be very troublesome when it becomes overdue.

2. Online bank transfer repayment

You can log in to your personal online banking or credit card website. With just a few clicks of the mouse, you can not only repay your own credit card, but also repay for others. Repayment. In addition, personal online banking also supports inter-bank repayment. This method needs to be operated on a relatively private computer. You need to recognize the website address every time you log in, and do not set a simple password. If the password is leaked, there is a risk that the account will be stolen.

3. Mobile banking repayment

Mobile banking repayment is currently the most popular credit card repayment method among young people. As long as you install the bank client on your mobile phone, you can repay it no matter where you are. You can easily repay anytime and anywhere at the touch of a finger. Since credit card repayment is a fund transfer business, for the safety of funds, you need to activate the advanced version of mobile banking.

It should be noted that mobile phones can be operated in various situations. You must pay attention to the protection of passwords and the safekeeping of mobile phones. Once your mobile phone is lost, you must immediately report the loss to the mobile operator and cancel the mobile banking service.

4. Alipay repayment

Alipay payment is already familiar to people who love online shopping. Many people have become accustomed to this convenient payment method and will also pay Alipay. The first choice for credit card repayments. In addition, Alipay promises that the repayment will arrive in the account within 2 hours, but three conditions must be met: first, the repayment must be made by mobile phone transfer, second, the repayment amount is less than RMB 50,000, and third, the transfer and repayment time must be within bank service hours.

5. WeChat repayment

Currently there are two ways to repay WeChat credit cards: jump to online banking, mobile banking to handle credit card repayments, or make repayments through the bank’s WeChat official account through WeChat. payment. It should be noted that WeChat can only repay credit cards directly through the bound debit card. In addition, there is no handling fee for using WeChat to repay, the single and daily limit are 20,000 yuan, and the monthly limit is 50,000 yuan.

6. Online repayment with credit card management APP

The advantage of using Kanniu credit card management APP for online repayment is that you can check the bill date and repayment due date with just one mobile software. , the total amount of repayment for the current period, the minimum repayment amount and other basic personal account information - repayment reminder - supports online repayment, which can be completed in just a few steps, without having to jump back and forth on the mobile phone interface, check the credit card arrears amount, and check the credit card balance every time the bill is When there are decimal points, you need to memorize them carefully, and then go to another software or platform to choose repayment.

7. Repayment at the counter or at an ATM machine

At present, very few people use this repayment method. It is generally used by older or more conservative people. . It should be noted that when an ATM machine uses another bank's debit card to transfer money to a credit card for repayment, the transfer amount shall be an integral multiple of 100. The single transaction limit is the same as the existing UnionPay ATM cash withdrawal transaction limit of the transferring bank, and the maximum daily limit shall not exceed 20,000 yuan, and the handling fee will be deducted from the transfer card.

8. Convenience store Lakala repayment

Lakala repayment is a convenient credit card repayment service. At present, Lakala convenience payment points have grown to nearly 90 cities across the country, with the number exceeding 30,000. They can be found in convenience stores, supermarkets, and community stores. There is a unified charging standard for credit card repayment using Lakala: currently only Bank of China (other regions across the country except Shenzhen), Agricultural Bank of China, Bank of Communications, Industrial and Commercial Bank of China, Bank of Beijing, and China Construction Bank (the bank's card repayments are free of charge) ) There is a handling fee of 2 yuan for credit card repayment, and there is no handling fee for other banks.

Instalment repayment is more favorable

If the funds are not available for a short period of time, you can also consider using installment repayment to repay the debt. Although installment repayment does not accrue interest, you will have to pay a handling fee. The handling fee here is actually "interest" charged by the bank in disguise.

At present, most banks provide cash installment services in the form of 3, 6, 12, and 24 installments. Some banks also provide installments as short as 1 month and as long as 36 installments. . As for the handling fee rate, the situation of each bank is also different, but the overall difference is not big. Taking 12 periods (i.e. 1 year) as an example, it is basically between 7.8-9 annualized. Taking China Merchants Bank [-0.56 Fund Research Report] as an example, cardholders can apply for bill installments. The handling fee for three installments is 2.6, the handling fee for six installments is 4.2, and the handling fee for 12 installments is 7.2, which will be charged in one lump sum when the first repayment is made.

How to get a loan with a credit card? Applying for a loan with a credit card is so easy

You can easily apply for a loan with a credit card. In fact, many cardholders don’t know this. Except for some credit card holders on the market, In addition to online platforms that allow you to borrow money, credit cards themselves actually have such a "special function." How to get a credit card loan, how to apply for a credit card loan, this will tell you.

What is a credit card loan?

Credit card loans are simply credit card installment business, such as China Merchants Bank’s cash installment, Shanghai Pudong Development Bank’s Universal Finance, Bank of Communications’ angel loan, etc. In fact, the business names of each bank are different, but the essence is the same.

A fund overdraft function provided by banks to cardholders, which converts the consumer loan function of credit cards into unsecured ones. It is actually a credit card transfer loan business. After the credit card loan application is approved, the bank will transfer part or all of the credit card limit to the debit card, and the loan will be repaid according to the repayment period agreed with the bank, and the cardholder will pay the corresponding handling fee.

How to get a credit card loan

The threshold for credit card loans is generally not high. As long as the cardholder has a good consumption and repayment record, the application to the bank will generally be approved when cash is needed. Some banks take the initiative to apply for credit card loans, but most of them require cardholders to actively apply based on their own needs. The process for cardholders to actively apply is roughly as follows:

1. Call the bank’s credit card customer service number and find a manual service.

2. Tell the customer service that you want to apply for a credit card loan or cash installment. The customer service will ask you what you will use the funds for. Remember not to say it is for investment, it can be anything else. After passing the review, you will be asked to tell the last three digits on the back of the credit card, and then transfer the funds to the debit card of the credit card issuing bank. It can be a debit card of another bank, but other bank cards will charge a handling fee.

More and more people are applying for credit cards to meet their daily consumption and expenses. If you also want to apply for a credit card, let’s give you a safe and fast application entrance! Just click on the credit card application portal. There are the most complete types of cards here, it just depends on which one you want to apply for!

How to apply for a credit card loan?

1. Call the bank to apply.

Remember, never say you want to apply for a credit card loan right away. Remember the term "cash installment". Some banks have other names, such as Guangfa's "everything red". Pudong Development Bank is called "Wanjin. Anyway, if you don't know, just say you want to apply for cash installment.

2. Provide credit card information.

Customer service will ask you 3 questions:

1. , name, and the last 3 digits on the back of the credit card.

2. The purpose of applying for cash installment is as long as it is for re-education.

3. Confirm the number of installments for cash repayment. Ask the customer service how many installments there are and what the service rates are. Let him calculate it for you, and then you can measure the repayment in several installments.

What the bank needs to do:

1. Review your information. Whether the information you provide is accurate, you need to confirm that it is you who is handling it.

2. Review the amount you can handle. . Determined based on the applicant’s daily card usage, credit card limit, and repayment status. The higher the credit limit, the higher the cash installment amount that can be processed.

After the final review is successful, you will provide a debit card account number, preferably a debit card from the credit card issuing bank. If it is a debit card from another bank, a handling fee will be deducted.

How to apply for a credit card loan

1. Apply by phone. A credit card loan is actually a credit card cash overdraft. After applying to the bank, and after approval, the bank will transfer the funds to the debit card given by the cardholder and then you can use it. Call the relevant bank customer service and tell the bank customer service that you need a credit card to apply for a loan. 2. Go to the bank to apply. You need to provide credit card information, such as, name, credit card loan purpose, etc., and wait for the bank to review your information. Whether the information provided is accurate, you need to confirm that it is you who is handling it. Article 8 of the Civil Code: Civil subjects engaged in civil activities must not violate the law or violate public order and good customs.

How to get a Bank of China credit card loan

When our bank approves your credit card application, we will determine the total credit limit for you, which can be used repeatedly. It is a daily Small unsecured loans that bear interest. You can freely use the card to spend within this credit limit, and you can pre-borrow a certain proportion of cash within the limit. The available limit changes based on your monthly card consumption and repayment status. You can choose how much to repay on your outstanding balance in each cycle, and we will automatically restore the corresponding credit limit for the portion you have repaid.

The above content is for your reference, please refer to actual business regulations.

If you have any questions, please feel free to consult Bank of China’s online customer service.

You are sincerely invited to download and use Bank of China Mobile Banking APP or Bank of China Cross-border GOAPP to handle related businesses.

How to apply for a credit card loan?

If you can apply for a loan with a credit card, the maximum loan application limit can be up to 200,000 yuan. However, the basic prerequisite for applying for this card is that your personal credit is good and you must have a certain ability to repay.

Basic credit card loan process:

1. The cardholder calls the bank to apply for a loan;

2. Provides credit card information (, name, back of credit card last 3 digits);

3. Explain the purpose of the loan, and note that the loan amount cannot be used for loan repayment, investment, etc.;

4. Confirm the repayment agreement and provide Debit card in my name so that the applied cash installment funds can be transferred;

5. After approval by the bank. Once approved, the account will generally arrive within one day.

That’s it for the introduction of how to apply for a credit card loan.