In fact, the funds in the express loan account of CCB cannot be transferred to the bank card in the personal name of the customer, because the transfer of funds from the express loan account only supports the transfer to other people's accounts, not to my own bank account. Of course, the customer can try to transfer it to others first, and then let him transfer it to his own card.

If customers want to use quick loan funds, they can actually withdraw them directly from the special account for quick loan, or spend them by credit card (note that they cannot be used for related transactions such as house purchase, investment, loan repayment and credit card).

1. How to use the money in the special account for quick loan of CCB?

To use the money in the special account of CCB's fast loan, customers can choose the withdrawal option on the loan page of CCB's mobile banking client, and transfer the funds stored in the consumer loan to their own savings card for use. Of course, direct credit card consumption is also possible. Some PC-side e-commerce companies can also use the loan account in online banking payment to pay orders when shopping, and they can pay in some channels that support dragon payment.

It should be noted that the loan funds of quick loan can only be used for living expenses, and not for securities investment such as stocks, house purchase and futures trading, or for repayment of other debts (except my quick loan).

2. Will CCB be monitored after quick withdrawal?

After the withdrawal of CCB's fast loan, CCB no longer monitors it because the quota has been withdrawn. Moreover, users directly transfer money to bank cards, through which CCB can monitor according to credit card records. The loan funds of CCB Express Loan are used for specified purposes. If the user fails to use it according to the regulations, CCB has the right to require the user to pay off all the loans in one lump sum.

In addition, some products of CCB Express Loan do not support cash withdrawal, and users will be monitored by CCB during the whole use process.

3. What are the repayment methods of CCB's fast loan and how to repay it?

There are two main repayment methods of CCB's fast loan, one is monthly repayment, and the other is borrowing for repayment.

Monthly repayment

1. Automatic deduction by the system: before the repayment date, the customer needs to deposit enough repayment amount into the bank card associated with the fast loan, and the system will automatically deduct the payment from 6:00- 17:00 on the repayment date.

2. Voluntary repayment by the customer: the customer logs into the mobile banking of China Construction Bank to find the quick repayment option and the loan bill that should be repaid in this period. Enter the repayment amount of the current bill in Repayment Amount, and complete the repayment operation after confirming the repayment amount.

Borrow and return.

Voluntary repayment by customers: customers log on to the mobile banking of China Construction Bank, find the quick loan and enter the loan settlement page. After entering the repayment amount, the user will receive the verification code of the mobile phone, and can take the initiative to repay after verification.

How to transfer the money from CCB's fast loan to its own card?

In fact, the funds in the express loan account of CCB cannot be transferred to the bank card in the personal name of the customer, because the transfer of funds from the express loan account only supports the transfer to other people's accounts, not to my own bank account. Of course, the customer can try to transfer it to others first, and then let him transfer it to his own card.

If customers want to use quick loan funds, they can actually withdraw them directly from the special account for quick loan, or spend them by credit card (note that they cannot be used for related transactions such as house purchase, investment, loan repayment and credit card).

I. General situation of the enterprise

China Construction Bank Co., Ltd. is a leading large commercial bank in China, headquartered in Beijing. Its predecessor, China Construction Bank, was established in June 1954. The Bank was listed on the Hong Kong Stock Exchange (stock code 939) on June 5438+1October 2005 and on the Shanghai Stock Exchange (stock code 60 1939) in September 2007. At the end of 20 19, the market value of the bank was about 21768.6 billion US dollars, ranking fifth among listed banks in the world. In terms of Tier 1 capital, the Group ranks second among global banks.

By 2020, this bank has provided comprehensive financial services such as personal banking, corporate banking, investment and wealth management, with 65,438+04,965,438+02 branches and 347,654,38+056 employees, serving hundreds of millions of individuals and corporate customers. In the fund, leasing, trust, insurance, futures, pension, investment banking and other industries with subsidiaries. Overseas institutions cover 30 countries and regions, with more than 200 overseas institutions at all levels.

Second, the main business of the enterprise

China Construction Bank provides credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans.

1. Personal housing loan business

Personal housing loan business refers to loans issued by CCB or natural persons entrusted by CCB to purchase, build and overhaul various types of housing in Chinese mainland cities and towns. CCB's personal housing loan business mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal second-hand housing loan, second-hand housing loan, personal commercial housing loan and personal housing mortgage loan). ), provident fund personal housing loans and personal housing portfolio loans.

2. Credit card business

China Construction Bank, as a state-owned bank that set foot in issuing credit cards earlier in China, has many kinds of credit cards. The credit cards issued by China Construction Bank are all named "Longka". The types of dragon cards that have been publicly issued include: Dragon Card School Card, Dragon Card Business Card, Dragon Card Automobile Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, China Construction Bank VISA Card, Yilong Changxing Dragon Card, Mango Travel Dragon Card and Dragon Card (Masters Cup) Tennis Card.

3. Silver Star International Express

CCB Silver Star International Express Remittance Service is a personal international express remittance service jointly launched by CCB and Silver Star International Express Remittance Company. It refers to the small-scale international remittance business that CCB accepts the entrustment of customers to remit personal foreign exchange remittances or personal foreign exchange funds abroad through Yinxing Express Company.

How to transfer the money from the express loan account of CCB to the bank card?

In fact, the funds in the express loan account of CCB cannot be transferred to the bank card in the personal name of the customer, because the transfer of funds from the express loan account only supports the transfer to other people's accounts, not to my own bank account. Of course, the customer can try to transfer it to others first, and then let him transfer it to his own card. If customers want to use quick loan funds, they can actually withdraw them directly from the special account for quick loan, or spend them by credit card (note that they cannot be used for related transactions such as house purchase, investment, loan repayment and credit card).

China Construction Bank is a national vice-ministerial unit and a large state-owned bank managed by the central government. Established in June 1 954 65438+1October1,the head office is located at No.25, Beijing Financial Street. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in more than 20 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance and property insurance. On February 9, 2022, Forbes released the list of the top 50 global blockchains in 2022, among which China Construction Bank ranked.

China Construction Bank Co., Ltd. is a leading large commercial bank in China, headquartered in Beijing. Its predecessor, China Construction Bank, was established in June 1954. The Bank was listed on the Hong Kong Stock Exchange (stock code 939) on June 5438+1October 2005 and on the Shanghai Stock Exchange (stock code 60 1939) in September 2007. At the end of 20 19, the market value of the bank was about 21768.6 billion US dollars, ranking fifth among listed banks in the world. In terms of Tier 1 capital, the Group ranks second among global banks.

By 2020, this bank has provided comprehensive financial services such as personal banking, corporate banking, investment and wealth management, with 65,438+04,965,438+02 branches and 347,654,38+056 employees, serving hundreds of millions of individuals and corporate customers. In the fund, leasing, trust, insurance, futures, pension, investment banking and other industries with subsidiaries. Overseas institutions cover 30 countries and regions, with more than 200 overseas institutions at all levels.

How to use CCB express loan for savings card?

After applying for quick loan, CCB will first issue it to the special account for quick loan. At this time, you can take it out or use it directly in the savings card. Specific steps: log in to the mobile banking app of CCB, click "Quick Loan" and find "Transfer of funds from special account for quick loan". After the user's money is transferred to the savings card, he can withdraw money from the ATM.

Take China Construction Bank app as an example. The specific withdrawal method is as follows:

1. First, open the mobile banking APP of China Construction Bank on your mobile phone and find the quick loan on the home page.

2. Click on the quick loan to enter the quick loan interface and select withdrawal.

3. Click Withdrawal to enter the loan withdrawal interface, and select the special account for quick loan to transfer funds.

4. Click the special account for quick loan, transfer the funds to the interface of special account for quick loan transfer, and enter the payee's name, payee account number, payee bank, transfer amount and other information as required.

5. It should be noted that fast loan funds can only be transferred to non-personal accounts of other banks.

CCB's fast loans include fast e-loans, financing e-loans, pledge loans, car e-loans, and wo e-loans, which are mainly aimed at CCB individual customers with good credit. As long as they do business in CCB (such as saving money, purchasing wealth management, national debt, funds, loans, paying wages, etc.). ), they may get a quota, and the more business they handle, the higher the quota.

Different loan types give different loan amounts. The credit line of fast e-loan is 1-300,000 yuan, with the longest1year, which can be recycled. The credit line of e-loan is 50-5 million yuan, with a maximum of 5 years, which can be recycled; The credit line of the pledged loan is 1 10-3 million yuan, with the longest 1 year, which can be recycled; E car loan credit line 1 1,000-500,000 yuan, with a maximum of 3 years; The credit line of Wo E Loan is 1 1,000-500,000 yuan, with the longest term of 2 months.

Version information: Take China Construction Bank version 5.7.2, Apple13 (IOS15.4.1system) and Huawei mate40(HarmonyOS2 system) as examples.