The reason why it can't be used directly is that it can be used directly by transferring to other bank accounts. Therefore, if users choose to transfer directly to their own savings card of CCB, there will be no restrictions, but a large part of quick loans can't be transferred directly. Quick loans are divided into many products, some support cash withdrawal, and some users can use them directly.

1. How to apply for a quick loan from CCB:

1, the number of credit cards is less than 7, and Cardo can pass if the debt is kept low for a long time. (Card friends have been unable to apply for the card of Line 12, and they can submit it about one month after the card is cancelled on Line 8).

2. Total liabilities are less than 50%, most of which are less than 30%.

3. There is no overdue credit record, and it is not allowed to be overdue for one day. However, it is possible to be overdue for more than one year. Case: the overdue record of cardholders is less than five years, and more than ten consecutive mortgages are overdue on 16- 17, which were settled at the end of 17. There is no overdue record since 18. In April 2020, Aauto Quicker borrowed 57,000 yuan, and the second loan was 30,000 yuan, which will expire in April this year.

4. Credit cards are suspected of cashing out, which are basically marked by CCB, because the cards used by CCB are not standardized. This was added after 20 19, and several evaluation points were added for fast loans, mainly because credit cards were suspected of cashing out, and the requirements for liabilities were appropriately relaxed.

II. Reasons for the rejection of CCB's fast loan:

1. There are too many hard questions and lenders in the credit investigation. There are more than 4 credit card approval and loan approval records within half a year. There are microfinance records or consumer loan records of other banks in the credit information, and the query results of credit information records are not passed. Personal loans/credit cards/quasi-credit cards in CCB or other banks have overdue records, or the account status is frozen to stop payment/bad debts/write-off, and the credit record is blank, which leads to the failure to meet the requirements of fast loan processing.

2. The authorized provident fund failed, and the local provident fund failed to update the data in time.

3. Holding a large number of other banks' credit cards, with long-term high debts. The total credit is too high, resulting in multiple credit lines. If the cardholder holds credit cards from more than 10 banks, or the number of credit cards from less than 10 banks exceeds 5, and the total utilization rate exceeds 80%, the application for quick loan fails (for example, the cardholder owns credit cards from 6 banks, with a total amount of 654.38+10,000 yuan and a total use amount of more than 80,000 yuan).