1. First, open the mobile phone Alipay APP, log in to Alipay account, and then click the flower garden to enter, and click my quota in the flower garden;
2. In my quota of Huayuan, if there is an exclusive quota for loving family, you can see the exclusive quota for loving family. Click Apply Now;
3. After the quota is activated. Normal consumption and shopping in shopping malls can be used by stages. It should be noted that the exclusive quota for loving home can only be used for furniture and electrical appliances, and other goods are not allowed!
Attention! ! Just like before, when the flower garden was open, the exclusive quota for loving home could only be seen by invited users. Generally, only when the credit is very good will the invitation information appear. If you click in, you will have it. If you don't click, you won't be forced to open it.
The exclusive quota for loving my family has expired. What should I get back from this application?
Hello! The exclusive quota is invalid, indicating that your evaluation does not meet the requirements. There is no way to apply manually. We can only wait for the system to be evaluated irregularly, and there will be places after the evaluation is qualified.
How to use the exclusive quota?
1. The exclusive credit line of China Merchants Bank is the exclusive installment payment line provided by China Merchants Bank for credit card holders. This limit does not occupy the original credit card limit, and is provided by China Merchants Bank, but the exclusive consumption limit must be phased. Exclusive quotas are temporary quotas, and quotas are not shared.
2. When using the exclusive credit line to settle accounts, hold a credit card that supports installment in the shopping mall and explain to the cashier that installment payment is needed. Then the cashier will swipe the card on the special POS machine according to the number of stages required by the cardholder (such as 3, 6, 12, etc.). There are also a few shopping malls that support the 24 th issue). After using the exclusive installment quota, like other installments, you need to pay the installment fee.
1. How to apply for an exclusive quota?
Holders of China Merchants Bank's main credit card can apply through Pocket Life, mobile banking, online banking and customer service telephone. (except for holders of student cards, platinum installment cards, business cards, business cards, shopping cards or supplementary cards)
2. Lending time
If the loan is released within 48 hours after the successful application, you can use the receipt card of China Merchants Bank under your name or other bank debit cards supported by China Merchants Bank as the transfer account. The funds are only used for consumption and may not be used for various investments. Support bank accounts: ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings, China Everbright, CITIC, Xingye, Pudong Development Bank, Shanghai Bank and Ping An Bank.
3. how to repay? When applying, you can choose the following two repayment methods:
1, borrow and return
The starting price is 654.38 million yuan. After the application is successful, the interest will be calculated from the date of application, with the daily interest rate not exceeding five ten thousandths, and the interest will be paid monthly, with no extra handling fee and no interest-free period.
2. Payment by installment
From 1 000 yuan, the handling fee shall be calculated by installments, and the monthly rate shall not exceed 0.95%. The principal and handling fee of each period will be shown on the bill. After the application is approved, the application amount or application period cannot be changed. Handling fee for each installment = total installment amount × rate; Repayment time: consistent with the billing date and repayment date of the credit card, independent account, and need to be repaid separately; Repayment methods: Pocket Life, Mobile Banking and Online Banking; Advantages and risks; Advantages of borrowing: lightning borrowing, no need to make an appointment in advance, and the funds will be approved within 48 hours after the application is successful; No mortgage guarantee is required, and the maximum loan is 300,000; The number of installments is optional and the repayment is flexible. You can choose the appropriate number of installments and repayment methods according to your own situation; Potential risks: After applying for E-loan successfully, the total amount of credit line and the amount used will be displayed on the credit report; Once it is overdue, it will not only affect the credit information, but also enter China Merchants Bank on behalf of the country, and also pay liquidated damages.