Can Wanzhou Everbright Bank lend money?

Wanzhou Everbright Bank can lend money. Everbright Bank Credit Card has an installment payment service, in which consumption transactions, cash withdrawal transactions, and utility bills are automatically converted into cash advance transactions, which can only be used for consumption and cannot be used to purchase investment and financial products. Everbright Bank Credit Card Loans are easy to apply for. Approval is required before you can apply for a credit card.

How to get an Everbright credit card loan? There are actually 5 methods!

All major commercial banks are working hard to expand their credit card business, and China Everbright Bank is no exception. After applying for Everbright Credit Card, many people want to use it for loans. So, how to get an Everbright credit card loan? In this article, I will introduce some useful methods to you.

The main loan products of Everbright Credit Card are bill installment and cash installment.

The processing methods for these two loan products are as follows:

Bill Installment

Ebright Credit Card Bill Installment is mainly to help everyone relieve the pressure of credit card repayment. The number of installments is Can reach 24 issues. The application method is as follows:

(1) Call the Everbright Credit Card service hotline and call 1 to apply;

(2) Go to the official website of Everbright Credit Card to apply;

(3 ) After receiving the credit card installment invitation text message from Everbright, follow the prompts to repay;

(4) Follow the Everbright Bank Credit Card WeChat official account to process online with your mobile phone;

(5) Install the "Sunshine Hui Life" mobile client on your mobile phone to apply for an Everbright credit card loan.

Cash Installment

Ebright Credit Card Cash Installment mainly provides services for people who are in urgent need of cash, and the number of installments can reach 18. The application method is as follows:

(1) After receiving the invitation from Everbright Credit Card’s customer service, apply for cash installment under guidance;

(2) Dial the number and transfer to 1;

< p>(3) Apply online through Everbright Credit Card’s official website, WeChat official account, and mobile APP.

Through the above content, I believe everyone already knows how to get an Everbright credit card loan.

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Can I get a loan with Everbright Credit Card?

Yes.

The "Interim Measures for the Management of Personal Loans" has corresponding provisions:

Article 11 Personal loan applications should meet the following conditions:

(1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The loan application amount, term and currency are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower’s credit status is good and there are no major bad debts Credit record;

(6) Other conditions required by the lender.

Extended information:

Relevant legal provisions of the "Interim Measures for Personal Loan Management":

Article 20 Lenders should improve authorization management based on the principle of prudence system, standardize the approval operation process, clarify the loan approval authority, implement the separation of loan approval and authorized approval, and ensure that loan approval personnel independently approve loans in accordance with authorization.

Lenders should distinguish the types, objects, amounts, etc. of personal loans, and determine the corresponding methods, content, and frequency of loan inspections. The lender's internal audit and other departments should conduct spot checks and evaluate the work quality of the loan inspection functional departments.

Article 21 The bank card application form, receipt and contract are contractual documents provided by the card-issuing bank to the bank cardholder that clarify the rights and responsibilities of both parties. The cardholder's signature indicates acceptance of each of them. agreement. Card-issuing banks shall formulate bank card application forms and credit card use contracts based on the principle of reciprocity of rights and obligations.

Baidu Encyclopedia - "Interim Measures for the Management of Personal Loans"

What loans can be applied for with Everbright Credit Card?

The loans that can be applied for with Everbright Credit Card are called Xin-e Jin, Xin-e Jin is a cash advance service provided by Everbright Bank Credit Card Center for high-quality users. The maximum loan amount is 200,000 and the daily interest rate is 0.04%.

Currently, only users invited by China Everbright Bank are eligible to apply for Heart e-Gold. You will usually be notified via text message or phone call. After you are qualified, you can check the amount of Heart e-Gold in the Sunshine Hui Life APP.

That’s it for the introduction of whether Everbright Credit Card can get loans.