1. What is a transportation credit card loan called? There are two that are quite special!
All major banks attach great importance to the combination of credit card business and loan business, and have designed loan products for their credit card users. Bank of Communications is not lagging behind and has designed many loan products for its credit card users. So, what is a transportation credit card loan called? Today I will introduce to you the major loan products of transportation credit cards.
There are 7 types of transportation credit card loan products, namely angel loan, Haoxiang loan, loan when you want, cash advance, cash installment, revolving credit and merchant installment. The details of these seven loan products are as follows: Angel Loan Angel Loan is a loan product specially provided by Bank of Communications for young customers aged 24-35, with a college degree or above, and stable jobs. The loan limit of Angel Loan can reach 300,000 yuan, and the monthly installment fee of 10,000 yuan can be as low as 35 yuan. Haoxiangdai Haoxiangdai is also one of the transportation credit card loan products. The loan term can be up to 24 months, and the loan amount is not affected by the credit card credit limit. Divide what you want Divide what you want is a loan model for installment repayment of credit card bills. It supports 3-24 installments and does not require the borrower to go through layers of approval. Cash advance Cash advance is a loan model that allows people to withdraw cash directly through credit cards. Cash withdrawals and transfers can be made at ATMs and counters. Cash installment Cash installment is a loan product somewhat similar to cash advance. Cash withdrawals and transfers can be processed online, and funds can be received in real time. Revolving Credit Revolving Credit is a loan model in which everyone only needs to repay the minimum repayment amount after receiving the credit card bill, with a daily interest rate of 0.05%. Merchant Installment Merchant Installment is a loan product jointly established by Transportation Credit Card and cooperative merchants. You can make installment purchases offline. How to get a Bank of Communications credit card loan? All useful methods are here! How to get a CITIC credit card loan? It’s enough for everyone to know this!
2. What will be the consequences if the Bank of Communications credit card is overdue for two months?
Overdue payment will not only be subject to a late payment penalty of 5% of the minimum unpaid portion, but also a penalty interest on the full amount of the bill (daily interest rate of 0.05%, interest will be calculated on the day of consumption, and interest will be charged on a monthly basis until the principal and interest are paid off) It will also produce a bad credit record in the Credit Reference Center of the People's Bank of China, and it will be difficult to apply for credit cards and bank loans within 5 years. If the Bank of Communications is overdue for two months, first of all, you will pay late fees, that is, the money you pay back is more than what you owe; secondly, you will have a bad record with the People's Bank of China, your credit limit will drop, and you will not be able to apply for a card within 5 years. ; Finally, and most seriously, you may be charged by a bank or, in serious cases, jailed. If you missed the final repayment date due to negligence, then repay the loan in full as soon as possible, then call customer service 400-800-9888 to explain the situation and indicate that you did not intentionally overdue, and you can generally "get away with it." If the overdue date has been recorded, you must not cancel the credit card immediately after the full repayment. Instead, you should continue to use the card for more than two years, and ensure that your credit is good during the period of using the card. This way, you can record the overdue credit card through rolling records. Remove it from the credit reporting system.
3. There are several types of Bank of Communications debit cards
Debit cards are ordinary bank cards and cannot be overdrafted.
Credit cards are tough guys. Credit cards have overdraft limits.
Never heard of debit cards