Online loans that you can make with a credit card

Online loans that you can make with a credit card: Bao Gong Wallet, Xiaoying Kadai.

First, as the quality of life continues to improve, advanced overdraft consumption has become the mainstream, and debt has become a norm. The most common ones are credit cards and online loans. In the eyes of most people, credit cards and online loans are all about borrowing money, so they are naturally classified into the same category, and their understanding is relatively vague.

Second, the application conditions are higher for credit cards. In addition to providing specific personal materials to the bank, you must also prove to the bank that you have a stable job and source of income. You can apply to open an account only if you meet the relevant conditions. The limit of the credit card you apply for is based on the application conditions. The greater your ability, the higher the limit. As for online loans, compared with the credit card application process, online loans are much simpler. Many third-party online loan platforms only need to provide basic personal information, and after smoothly answering the review call, they can make loans. There are even some platforms that do not conduct phone verification and directly lend money, but the amount is generally not too high.

3. Interest and other charges Normally, credit cards have an interest-free period of 18-50 days to allow customers time to relieve financial pressure. If the repayment is made before the specified repayment date, no interest will be charged. . If the loan is not repaid on time, a reference interest of 0.5% and a late payment fee of 5% will be charged. In addition, if the loan is repaid in installments, a monthly installment fee of 0.72%-0.9% is usually charged. Online loans will charge a certain percentage of the loan amount as a handling fee when you apply, but this fee is deducted from the repayment amount. Excluding the handling fees, the interest of online loans is much higher than that of a credit card. Under normal circumstances, 10% and below is considered a very cheap online loan, 24% is considered more reasonable, 24%-36% is on the high side, and above 36% can basically be called it.

Four. Loan Speed ??After the credit card application is successful, the applicant needs to go to the bank to process the request and open an account. The cycle is about 15 days, and the fastest is about 7 days. Or you can directly request a cash withdrawal on the corresponding bank’s website or APP. Online loans are relatively fast. Currently, most of the online loan platforms on the market are targeted at, and approval is very fast. Users only need to register on their platform, and then fill in the relevant information and loan amount as required. Once approved, the loan will be approved quickly. Loans will be made. All in all, credit cards are products launched to facilitate our early consumption. We need to apply for them from the bank. The process is more complicated, but it is highly secure. Online loans are designed to alleviate our difficulties. They are easy to apply for and fast to disburse money. However, the safety factor is not high and there are certain risks. Due to the high interest rate of online loans, some criminals use online loans to make a fuss and defraud loans. People make profits from this, so before deciding to apply for an online loan, you must understand the regulations and algorithms related to online loan interest to avoid being deceived.

How to apply for a credit card loan

How to apply for a credit card loan

1. Dial the bank phone number to apply: The user directly dials the phone number of the relevant bank and indicates that he or she wants to To apply for a credit card loan;

2. Go to the bank's online store to apply: the user provides the bank with the credit card number, name, and the last three digits on the back of the credit card to clarify the purpose of funds and installments for the personal credit card loan. Count etc. After bank staff verify that everything is correct, the credit card loan business can be opened.

How to apply for a loan with a credit card.

Generally speaking, loans using credit cards can be divided into new loan models and traditional loan models. Judging from the current situation, new loan models are relatively popular. The general lending model is as follows:

1. Many banks have now begun to provide specialized consumer loan products for their credit card users. These products do not share the credit limit with credit card bills, such as China Merchants Bank’s e-loans. Zhaodai, Bank of Communications’ Haoxiangdai, etc.

2. If you are buying a car for a loan, you can also apply for a car installment loan directly through a credit card. Currently, bank credit card car installment loans often have many discounts. Not only do they have an interest-free policy, but you can also purchase a car with zero down payment for designated models.

3. In addition, some online loan platforms now also accept credit card loans. Interested friends can try it on online loan platforms.

4. In addition to the above-mentioned new loan models, cardholders can also obtain loans through credit cards through traditional loan models.

Withdrawing cash directly through a credit card and applying for cash installments are both methods of applying for a loan using a credit card. However, it should be noted that the interest and handling fees for credit card cash withdrawals are very high, so this method is not suitable for long-term and frequent use.

The credit limits of different levels of credit cards will be very different:

1. Common card credit card limit:

The credit limit of common card is usually 1000-1 Some banks even offer credit cards with a credit limit of 1 cent or 10 yuan, ranging from 10,000 yuan to 10,000 yuan. Some people have received credit cards with a limit of 0 yuan, which require a deposit before consumption.

2. Gold card credit card limit:

The approval of gold card is stricter than that of ordinary cards, and the limit is relatively high. The card surface is mostly golden, and the limit is between RMB 10,000 and 50,000. During the period, the annual fee can usually be reduced by the number of card swipes.

3. Platinum Card Credit Card Limit:

The Platinum Card has a silver-white face with the letter P or Platinum on it. The credit limit is between RMB 50,000 and RMB 500,000 and the annual fee is past It ranges from 2,000 yuan to tens of thousands of yuan.

4. Unlimited credit card limit:

The color of the card is usually black, also called a black card, and there is no upper limit for the limit above 500,000.

Which online loan can I get through with a credit card? The key is to look at qualifications

1. Agricultural Bank of China's consumer reserve funds

Specially provide special cash installment quotas to high-quality Agricultural Bank of China cardholders. The minimum amount for a single application is 500 yuan, and the maximum amount is 300,000 yuan. If the credit card account in your name is in normal condition, your credit is good, and there are no unpaid debts on the card, you will have the opportunity to be invited to open it. You can borrow money within the limit on a recurring basis, but each application needs to be re-evaluated.

2. Industrial Bank Xingye Xingxiang Loan

Industrial Bank offers large-amount long-term cash installment loans to high-quality cardholders, with a maximum limit of 300,000 yuan and a minimum loan amount of 1,000 yuan. It is also by invitation only. Only customers can apply. If you want to apply for Xingxiang Loan, it is best to keep a good card usage record for more than 6 months, use the card more often, and repay on time. The most important thing is to standardize the use of the card. You can make contributions in appropriate installments during the period, and the pass rate will be higher.

3. Ping An Premium Credit

The exclusive cash installment limit granted by Ping An Bank to specific principal cardholders is independent of the fixed credit card limit, so there is no need to worry about occupying the credit card limit. , the maximum amount is 300,000 yuan, the application amount must be an integral multiple of 100 yuan, and the minimum is 2,000 yuan. Same-day applications are credited to your account as quickly as possible, and the handling fee per 10,000 yuan is as low as 2.8 yuan/day.

4. Guangfa Caizhijin

Guangfa Bank provides a credit card service for overdraft transfer and installment repayment for high-quality cardholders. It can be processed within the credit card limit and transferred to the name. Use the debit card for personal consumption, and then repay it monthly. The monthly handling fee is about 0.75%. The credit card is in good condition and the debt is low, so it is easier to get through.

Summary: If you have a credit card, you have the opportunity to apply for the above loans, but whether it can be approved depends on the credit conditions of the borrower, which is mainly based on the bank's approval results.

This ends the introduction on how to apply for an online loan and apply for a credit card if you have an online loan. I wonder if you found the information you need?