Is there a relationship between the lightning loan line of China Merchants Bank and the credit card?
Lightning loan is a personal online loan of China Merchants Bank and does not need mortgage guarantee. Credit application can be made through channels such as China Merchants Bank Mobile Banking and WeChat official account, and the system will automatically review the loan.
The maximum open loan amount is 300,000 yuan, the minimum single withdrawal amount is 1 1,000 yuan, and the maximum withdrawal amount does not exceed the limit amount, and it needs to be an integer multiple of 1 1,000, which can be used for the borrower's liquidity turnover or personal comprehensive consumption.
However, not everyone can get the qualification and quota of lightning loan. Now lightning loan is a white list system, and qualified people will be invited to handle it. The loan qualification and quota will change with the comprehensive evaluation of users in China Merchants Bank.
And to be sure, it is not directly related to credit cards. After all, non-CMB credit card customers can apply for lightning loans as long as they have contacts with CMB in other businesses and become quality customers of CMB. However, relatively speaking, you can apply for a lightning loan with a China Merchants Bank credit card. If the card is used well and there is no overdue record, the pass rate is relatively high and the quota will be high.
Because credit cards can help users get rid of the status of white households, banks can recognize cardholders' spending power through consumption and prove their repayment ability through repayment, which is one of the important reference factors for lightning loan application and quota.
Therefore, if you want to get a large amount of lightning loans quickly, you must make good use of your credit cards.