How to apply for a credit card (debit card) renovation loan?

Credit card (debit card) decoration loan application process: Users need to go to a bank branch to fill in the decoration loan application form; then the bank will review the application information filled in by the applicant and the loan materials submitted; after the review, Inform the user of the review results; after passing the review, the user will be notified to sign a renovation loan contract; then the loan amount will be issued to a credit card (debit card), and this fund needs to be earmarked.

Therefore, a credit card (debit card) decoration loan is the same as an ordinary decoration loan, except that the credit card (debit card) decoration loan limit is approved to the credit card (debit card).

Be careful to avoid three hidden dangers when paying in credit card renovation installments

Credit card installment payments for renovations are generally launched by renovation companies, and there will be various hidden dangers such as hidden extra money midway, poor quality assurance, and impulsive consumption. In this article, I have summarized the three common hidden dangers of credit card renovation installment payments for your renovation reference.

1. Confirm the materials in advance to prevent the decoration company from adding items

It is worth noting that many consumers choose the popular home decoration installment payment because they are tight on money. When paying for services, once the price is increased during decoration, consumers not only feel unlucky but also have to pay in cash. In this way, consumers not only have no peace of mind but also add to the payment pressure. The reporter learned at the Yizhifeng Decoration Shilihe Store that the company's home improvement installment business is to pay off the entire project payment with a one-time credit card. If additional money is needed midway, it must be paid in cash.

2. Read the decoration contract carefully to avoid falling into the decoration trap

In order to prevent falling into various "decoration traps", in addition to signing a detailed decoration contract with the decoration company, consumers also Most of them rely on non-one-time payment methods to ensure that they will not suffer financial losses.

That is, the project payment is paid according to multiple stages such as materials passing the site acceptance, mid-term acceptance, and completion acceptance.

For home improvement companies and cooperative banks, installment payment means doubling home improvement orders and more credit consumption, but consumers are in a passive position. After all, the money to buy "goods" has already been spent. Given that once there is a quality problem with the "goods", returns and exchanges are mostly left to "disposal". Fuwo Decoration provides owners with high-quality after-sales services: one-year warranty for main material furniture, two-year warranty for other external decoration projects, five-year warranty for anti-leakage projects, and lifetime maintenance. All main materials are implemented in accordance with the national three-guarantee policy. , so you have no worries.

3. Impulse consumption can easily become a serious problem

In order to attract consumers, some home improvement companies that have opened installment payment services have also launched "zero down payment, zero interest, and zero handling fees." These practices are indeed tempting to some extent.

Therefore, many consumers are particularly happy when they choose to pay in installments. With the lobbying of designers, it is easy to change the original decoration plan of less than 30,000 yuan to a luxurious one of 50,000 yuan or more. furnish. By the time consumers return to rational thinking, it is already too late.

Renovation owners who choose credit card renovation installment payments must make the right choice to avoid the above three hidden dangers.

The above is the relevant introduction of this article. I believe you will have a simple understanding of it after reading it. If necessary, you can continue to follow No. 1 Home Furnishing Network for more information.

What are the application conditions for CCB credit card decoration loan? Do you meet the conditions?

We often refer to the CCB credit card decoration loan, that is, the CCB credit card decoration installment. If you apply for the installment with a credit card, you can enjoy zero interest and low handling fees. So do you know what are the application conditions for a CCB credit card decoration loan?

What are the application conditions for CCB credit card decoration loan?

1. The applicant is between 18 and 60 years old and has full capacity for civil conduct;

2. He has a CCB credit card and is the principal card holder;

3. Have a stable job and income;

4. Meet other conditions required by CCB.

What are the things to note when applying for a CCB credit card decoration loan?

1. Applicants need to cooperate with relevant bank personnel to complete procedures such as interviews and on-site inspections;

2. Applicants who pay in installments for decoration and the Dragon Card credit card holders used to pay, Both must be the same natural person;

3. The installment fee collection standard can be found in the business announcement, the information listed on the POS purchase order after swiping the card, or the back-end transaction authorization document. The fee collection method includes one-time collection and installment collection. Two methods;

4. If the total installment principal cannot be divisible by the number of repayment periods, the system will use rounding to split the amount, and the difference will be adjusted in the last period.

The above is a summary of the application conditions for CCB credit card renovation loans. I hope it will be useful to you.

You can apply for various credit cards quickly and safely.

What should I do if I pay for the renovation installment with CCB credit card? What materials are needed?

If you want to apply for renovation installment, you can choose China Construction Bank’s special credit card installment business. The maximum amount for Anju installment is 300,000, and it is relatively convenient. The only trouble is that it requires review, interview, and going to a designated acceptance point. . This article briefly summarizes the materials and processes required for handling CCB renovation staging.

Application materials:

1. Identity documents of myself and the owner of the property;

2. Property certificate of the house to be renovated;

3. Proof of the relationship between the applicant and the owner of the property;

4. Proof of work and income and financial resources;

5. "Application Form for Dragon Card Credit Card Decoration Installment Business".

Processing process:

1. The customer fills out the application form at a CCB branch and submits ID card, real estate certificate and other relevant materials;

2. CCB accepts the customer Apply and notify the customer of the approval result;

3. The customer applies to CCB for a spending limit based on the progress of house decoration;

4. CCB issues the decoration credit to the credit card/dedicated account under the customer’s name Debit card account;

5. Customers use a special debit card to make purchases at our bank’s designated merchants, and repay according to the amount listed on the credit card statement.

Notes:

1. China Construction Bank provides 6 issues (months), 12 issues (months), 18 issues (months), 24 issues (months), 36 issues (months) Month), 48 installments (month) decoration installment service.

2. Applicants must cooperate with relevant bank personnel to complete procedures such as interview and on-site inspection.

3. The applicant for renovation installment payment and the Dragon Card credit card holder used for payment must be the same natural person.

4. The installment fee collection standard is as shown in the business announcement, the information listed on the POS purchase order after swiping the card, or the back-end transaction authorization document. The fee collection method includes one-time collection and

instalment collection. Two ways. The handling rates are different for different branches and different installments. The details are subject to the announcement of the local branch.

5. If the total installment principal is not divisible by the number of repayment periods, the system will use rounding to split the amount, and the difference will be adjusted in the last period.

6. The goods or services purchased by the applicant are provided by the merchants. China Construction Bank only provides installment payment business and has no agency, distribution or guarantee relationship with the merchants that provide the goods or services.

7. China Construction Bank reserves the right of final interpretation within the scope permitted by law.

That’s it for the introduction to credit card decoration.