Shanghai Pudong development bank-wanyongjin
1. product: within the existing credit card limit, part of the credit card limit will be credited to the debit card for use. The essence is credit card cash installment.
2. Limit: There is no minimum and maximum limit, which depends on the user's card usage and credit card limit.
3. Application method: official website application; Wechat application; Bank app application.
4. Fee: the daily interest rate is 0.5 ‰, and the fixed handling fee is deducted for each application 10 yuan.
5. Repayment method: one-time payment.
6. Lending time: Lending at any time.
Haoxiangdai
1. product: it can be simply understood as a credit card loan product.
2. Quota: There is no minimum and maximum quota, depending on the qualification examination and approval.
3. Cost: daily interest plus installment fee. The rate table is as follows.
4. Repayment method: direct repayment credit card. If the number of installments is less than 6, the installment fee shall be paid in one lump sum, and the installment principal shall be recorded in one lump sum on the billing date of the last installment plan. If it is higher than 6 installments, it will be repaid by monthly installments.
5. Lending time: within 24 hours.
24 months at most, 3, 6, 12, 24 The first installment amount is 1500 yuan. If the amount of a single transaction exceeds the initial amount 1.500 yuan, it will be automatically divided into stages. If the consumption amount is less than 1500 yuan, it will not be paid in installments.
China CITIC Bank-New Express
1. product: within the existing credit card limit, part of the credit card limit will be credited to the debit card for use. The essence is credit card cash installment.
2. Limit: There is no minimum and maximum limit, depending on your card usage and credit card limit.
3. Application method: log in to the electronic bank to inquire about the rights and interests and handle them, and the funds will arrive in time.
4. Fees: five ten thousandths of daily interest, installment fee and cash withdrawal fee. 6-installment /36-installment repayment method: credit card repayment, which can be repaid in installments.
6. Lending time: the fastest 1 working day.
Note: freeze the corresponding amount and transfer the installment amount to the RMB settlement account with the same name.
These three credit card loan products have their own strengths, and there is no specific loan amount. Requiring the borrower to have our credit card is a prerequisite for borrowing. Users can fully compare the expected annualized interest rates of the three when choosing. Comparing the three, we can see that the universal fund has the fastest lending speed.