How to apply for a credit card loan

How to apply for a credit card loan

How to apply for a credit card loan. A credit card loan is actually a credit card cash consumption overdraft. After applying to the bank, and after approval, the bank will transfer the funds to the debit card given by the cardholder and then you can use it. How to apply for a credit card loan.

How to apply for a credit card loan 1

First, the advantages of a credit card loan

How to apply for a credit card loan? What is the process? For such questions, it is also very important to understand the advantages of credit card loans. When using a credit card to apply for a loan, the approval speed is very fast. According to different regulations of different banks, it can basically be successfully processed in one to two working days. Moreover, the procedure is very simple. You can apply for a loan by phone or online. It greatly facilitates people's application process and effectively meets people's loan needs.

Second, credit card loan application process

1. Apply to the bank

In order to effectively obtain a credit card loan, the most direct way is to apply to the bank Valid application. However, due to bank regulations, when applying, it cannot be said to be a credit card loan, but should be called a cash installment application.

2. Provide valid information

When applying to the bank, customer service staff will ask the user some questions.

(1) It is the credit card, the user’s name and the 3-digit number on the back of the credit card, which is the CVV code.

(2) It is necessary to understand the purpose of the user's application for cash installment.

(3) To confirm the number of cash installments, the customer service will give a detailed introduction to the user, including the handling fee, which should also be understood through the explanation of the customer service staff, and then the user himself Choose the appropriate number of installments for repayment based on the actual situation.

3. Review required by the bank

When a user applies for cash installment, the bank will effectively review the user's application, including reviewing the user's personal information, such as Whether the application is done in person, whether the personal information is accurate, etc., the user's loan limit must also be reviewed, which is closely related to the user's usual credit record and repayment status.

How to apply for a credit card loan 2

1. What conditions are required for a credit card loan

1. Generally, banks will stipulate that you must have worked in the current unit for three months;

2. You must have no bad credit record and your monthly salary income must meet certain standards before you can apply;

3. If you have used a credit card, you can just go to the bank counter to apply, but The amount will not be very high;

4. The borrower's debt situation is good and he has the ability to repay;

5. He has a certain income and is stable, forming a stable bank flow.

2. What does a credit card loan mean?

Credit card loan means that the bank grants a certain amount of money based on the credit card holder’s credit status, and the card holder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment.

The bank increases the installment limit of the credit card based on the credit card holder's credit status to meet the card holder's needs to purchase designated brand cars in installments at designated dealers. Cardholders only need to bear a certain handling fee to repay the car purchase amount in monthly installments, which is a new car loan model that fully reduces the repayment pressure.

How to apply for a credit card loan

1. Apply by phone. A credit card loan is actually a credit card cash overdraft. After applying to the bank, and after approval, the bank will transfer the funds to the debit card given by the cardholder and then you can use it. Call the relevant bank customer service and tell the bank customer service that you need a credit card to apply for a loan.

2. Go to the bank to apply. You need to provide credit card information, such as name, credit card loan purpose, etc., and wait for the bank to review your information. Whether the information provided is accurate, you need to confirm that it is you who is handling it.

How to apply for a credit card loan 3

1. Bind a savings card for automatic deduction

Many credit card issuing banks now provide automatic repayment services. In other words, If you have a savings card from this bank, as long as you set up automatic deduction, the bank will automatically deduct the payment when the credit card is about to expire. But the premise is that there must be money in the savings card. If the amount of funds in the card is too small and not enough to be deducted, it will be very troublesome when it becomes overdue.

2. Online bank transfer repayment

You can log in to your personal online banking or credit card website. With just a few clicks of the mouse, you can not only repay your own credit card, but also repay for others. Repayment. In addition, personal online banking also supports inter-bank repayment. This method needs to be operated on a relatively private computer. You need to recognize the website address every time you log in, and do not set a simple password. If the password is leaked, there is a risk that the account will be stolen.

3. Mobile banking repayment

Mobile banking repayment is currently the most popular credit card repayment method among young people. As long as you install the bank client on your mobile phone, you can repay it no matter where you are. You can easily repay anytime and anywhere at the touch of a finger. Since credit card repayment is a fund transfer business, for the safety of funds, you need to activate the advanced version of mobile banking.

It should be noted that mobile phones can be operated in various situations. You must pay attention to the protection of passwords and the safekeeping of mobile phones. Once your mobile phone is lost, you must immediately report the loss to the mobile operator and cancel the mobile banking service.

4. Alipay repayment

Alipay payment is already familiar to people who love online shopping. Many people have become accustomed to this convenient payment method and will also pay Alipay. The first choice for credit card repayments. In addition, Alipay promises that the repayment will arrive in the account within 2 hours, but three conditions must be met: first, the repayment must be made by mobile phone transfer, second, the repayment amount is less than RMB 50,000, and third, the transfer and repayment time must be within bank service hours.

5. WeChat repayment

Currently there are two ways to repay WeChat credit cards: jump to online banking, mobile banking to handle credit card repayments, or make repayments through the bank’s WeChat official account through WeChat. payment. It should be noted that WeChat can only repay credit cards directly through the bound debit card. In addition, there is no handling fee for using WeChat to repay, the single and daily limit are 20,000 yuan, and the monthly limit is 50,000 yuan.

6. Online repayment with credit card management APP

The advantage of using Kanniu credit card management APP for online repayment is that you can check the bill date and repayment due date with just one mobile software. , the total amount of repayment for the current period, the minimum repayment amount and other basic personal account information - repayment reminder - supports online repayment, which can be completed in just a few steps, without having to jump back and forth on the mobile phone interface, check the credit card arrears amount, and check the credit card balance every time the bill is When there are decimal points, you need to memorize them carefully, and then go to another software or platform to choose repayment.

7. Repayment at the counter or at an ATM machine

At present, very few people use this repayment method. It is generally used by older or more conservative people. . It should be noted that when an ATM machine uses another bank's debit card to transfer money to a credit card for repayment, the transfer amount shall be an integral multiple of 100. The single transaction limit is the same as the existing UnionPay ATM cash withdrawal transaction limit of the transferring bank, and the maximum daily limit shall not exceed 20,000 yuan, and the handling fee will be deducted from the transfer card.

8. Convenience store Lakala repayment

Lakala repayment is a convenient credit card repayment service. At present, Lakala convenience payment points have grown to nearly 90 cities across the country, with the number exceeding 30,000. They can be found in convenience stores, supermarkets, and community stores. There is a unified charging standard for credit card repayment using Lakala: currently only Bank of China (other regions across the country except Shenzhen), Agricultural Bank of China, Bank of Communications, Industrial and Commercial Bank of China, Bank of Beijing, and China Construction Bank (the bank's card repayments are free of charge) ) There is a handling fee of 2 yuan for credit card repayment, and there is no handling fee for other banks.

Instalment repayment is more favorable

If the funds are not available for a short period of time, you can also consider using installment repayment to repay the debt. Although installment repayment does not accrue interest, you will have to pay a handling fee. The handling fee here is actually "interest" charged by the bank in disguise.

At present, most banks provide cash installment services in the form of 3, 6, 12, and 24 installments. Some banks also provide installments as short as 1 month and as long as 36 installments. . As for the handling fee rate, the situation of each bank is also different, but the overall difference is not big. Taking 12 periods (i.e. 1 year) as an example, it is basically between 7.8-9 annualized. Taking China Merchants Bank [-0.56 Fund Research Report] as an example, cardholders can apply for bill installments. The handling fee for three installments is 2.6, the handling fee for six installments is 4.2, and the handling fee for 12 installments is 7.2, which will be charged in one lump sum when the first repayment is made.

Loans behind bank credit cards

① Guangfa Caizhijin can operate up to 300,000

② Pudong Development Bank can operate up to 300,000

③ Traffic Haoxiang Loan can operate up to RMB 150,000

④ CITIC New Express Dream Realization Gold can operate up to RMB 500,000

⑤ Everbright Lehui Financial can operate up to RMB 300,000

⑥Minsheng Tongbao Card can operate up to 1 million. These are loans that can be operated behind a well-used credit card to create reserve funds. There is interest if you use it, but there is no interest. First, let’s talk about the characteristics of bank loans:

▲High limit, the average limit of a basic bank is about tens of thousands

▲Low interest. Bank interest is relatively low, which can be beneficial to customers’ revolving loans

p>

1: Industrial and Commercial Bank of China Loan ICBC Yidai and Rongedai

The latest one from ICBC should be the Business Quick Loan that was analyzed just two days ago. With a business license, you can borrow up to 5 million;

ICBC Consumer Loan, ICBC Easy Loan, ICBC e-Loan, etc.? ICBC Easy Loan is particularly troublesome. You must have online consumption and salary statements, online banking or mobile online banking

Two: China Construction Bank Credit Loan

CCB Quick Loan: There are 3 products in one ***, namely Quick e-Loan, Rong e-Loan, and Pledge Loan

Loan applicants: The admission group must be Customers of China Construction Bank;

Loan amount: The loan amount for ordinary customers is between 1,000 yuan and 50,000 yuan, and the maximum loan amount for financial and private customers can be up to 500,000 yuan.

Loan period: up to 1 year, can be used repeatedly.

Loan interest rate: The annual interest rate is about 5.6.

Features: The interest calculation method charges loan interest based on the actual number of days of use, and no interest is calculated if it is not used

CCB Longka Loan Bar: Newly launched products, limit and credit card limit*** Enjoy; the first batch of credit card-free users is 5,000-20,000.

CCB Cloud Tax Loan: a product for micro-enterprises, with a maximum of 2 million yuan and a term of 1 year. The credit of small and micro-enterprises or individual industrial and commercial households or business owners In good condition, with no record of overdue interest or interest arrears, customers who pay taxes with integrity can apply

CCB Small and Micro Quick Loan: Interest rate 4.8, up to 5 million in one year, business owners and corporate tax holders with CCB corporate accounts The credit record is good, the daily transaction flow of the company is good, and the cooperative relationship with China Construction Bank is good; this is the same as personal quick loan. If the bank system evaluates it, you will get it, if you don’t, you will get it.

Three: Agricultural Bank of China Credit Loan

① Agricultural Bank of China Online Loan: The second mortgage loan is up to RMB 3 million and has a term of up to 60 months. Customers need to be invited to apply. There will be a limit in about 2 years after the mortgage repayment. Apply K-Bao Agricultural Bank of China Credit Coin is conducive to credit limit increase

The reason why Agricultural Bank of China’s online loan approval was rejected: Agricultural Bank of China’s online loan approval is determined based on the comprehensive evaluation of the loan applicant. The bank’s comprehensive scoring factors include:

1. Credit

2. Asset income

3. Liabilities (expenses)

4. Family structure

5. Social status (including work, legal person)

If one of the items or the overall score is too low, the application for the Agricultural Bank of China Express Loan will be rejected

② How to crack the Agricultural Bank of China credit coins:

1. Download the Agricultural Bank of China Mobile Banking

2. Operation steps: Click on Credit Card - Credit Coins to withdraw cash to Alipay

3. Pay attention to the method: the limit is up to 10,000. If you have a credit card, then this limit is shared with the limit of your credit card. It is best to have an intersection with the Agricultural Bank of China, such as: have the Agricultural Bank of China’s check-in salary, turnover, or a mortgage from the Agricultural Bank of China; suggestions Before withdrawing cash, you should have an Agricultural Bank of China savings card. It is best to have 2,000-4,000 yuan in Yu'e Bao.

4. What should I do if the Agricultural Bank of China fails to withdraw cash from Alipay?

If your credit report has been overdue recently, your Zhima score has dropped, you have spent money, borrowed money, or cashed out overdue, it will affect the transfer of the money to your Alipay account, so I suggest you use Agricultural Bank of China’s credit card. Check in with a salary card, or a better current savings card from the Agricultural Bank of China

Four: Transportation Credit Loan

Haoxiangdai, Angel Loan, Haoxian Loan, etc., with a loan limit of up to 150,000. Debit card user channel Bank of Communications app; credit card channel "Bank of Communications Credit Card Pay Bar"

5: Postal Bank Credit Loan

China Post Consumer Finance-China Post Wallet

1. Apply in the China Post Wallet app

2. Add this window to China Post Consumer Finance, Alipay-Life Account

Download Mailyouhua in the China Post Wallet app

A Sesame score of 620 is required to apply

Don’t do it if you have high debt

Six: CITIC Bank Credit Loan

Quick Loan, Dream Come True Jinxin Quick Cash, Second Second Loan

Yuanmeng Jinxin Express Line: New fast cash will be issued about 3-5 days after high-quality customers withdraw their Dream Money, and the quota is not guaranteed; non-high-quality customers will issue New Express also enjoys a credit limit with Yuan Meng Jin ***; generally credit cards with a credit card limit of less than 10,000 can apply for the limit in at least 6 months, and high-quality customers of about 30,000 can apply in 2 months

Seven: Everbright Bank Credit Loan

Everbright Instant Loan, Suixin Loan

Everbright Savings Card, you can apply for a Sunshine Token, log in to Everbright Mobile Banking, you can get a Suixin Loan, and your credit report will be approved instantly. Or be rejected instantly

Eight: China Merchants Bank loan

Business reserve fund 300,000, e-loan 300,000, car installment up to 1.5 million, flash loan 500,000, China Merchants United is looking forward to 30 Wan

1. Apply for a loan directly online on the website

2. Credit card customers go to the app to apply for the Merchants e-loan cash installment

3. Merchants United Finance- Good term loan

p>

Nine: Ping An Credit Loan

Ping An i-Loan, Ping An Consumer Reserve, Oxygen Loan

Same-day disbursement is fast and the limit is high. They are popular loans among many intermediaries. , the threshold is low, if you are over 18 years old, you can take out a loan if you like! No materials required, no need to come to your door

Ten: Guangfa Bank Credit Loan

Caizhijin:

Generally, it can be 3 to 5 times the original credit limit of the card

Information: Customer’s ID number query password

Operation: Once the customer information is ready, directly ask if there is a quota. If there is a quota, directly call the customer service to transfer the financial information. Money can be transferred directly to a savings card. This financial aid can be done on a recurring basis. Please refer to the following instructions for details on how to cycle:

If you have financial aid: first transfer it to a savings card, and then continue. Deposit money for this customer or the customer can deposit it himself and then make installments. The next day after the installment is completed, call customer service and ask him to apply for financial support again. Under normal circumstances, as long as you make installments, you will definitely have money. Zhijin’s (Guangfa likes customer installments)

E-second loan:

This small loan product of Guangfa Bank is launched in accordance with the revolving credit model. Once you apply, you can get 5 annual revolving quota.

Loan amount: 5,000~300,000 yuan.

Loan interest rate: about 8.3.

Suitable applicants: salaried workers and private owners.

Interest calculation method: Interest is calculated on a daily basis, and no interest is calculated if no withdrawal is made.

Guangfa Youdong quota, Free loan

Eleventh: Industrial Bank credit loan

Method 1: Bill day operation method

Operation The time is three days after the repayment date and three days before the bill date, and the operation cycle is 5 days.

Operation Rules: The account cannot have any installments. The early settlement of the installment is in operation. The card cannot be negative and must have a balance. The repayment limit must be twice the credit limit of this card. After spending, the installment credit limit of this card (Industrial Industry rigidly stipulates that only installment account credit card credit limit) is bound to the Industrial Savings Card. The repayment must be from the personal Industrial Savings Card, and the next day Booked in the early morning. When the customer goes to work in the morning and wants money right away, he must remember the term: "The extra money you helped me pay back to the original account, I need the money urgently" will definitely arrive within 3 days. Then just wait for the news

Method 2: Industrial Tong Financial Card Loan Technology

First of all, you must have an Industrial Tong Financial Card credit card, and then go to the bank counter to open a savings card and bind it . Then go to the counter to sign the Xingye Tong Simple Loan Agreement. Three hours after signing the agreement, log in to online banking to check the Industrial Tong Simple Loan limit to see how much is the limit. Then use the special machine of Industrial Bank and the operation method of ICBC Easy Loan to swipe the limit.

It is said that someone has made a product with a minimum price of 400,000 and a maximum price of 1.2 million.

Twelve: Pudong Development Bank Credit Loan

Pudong Development Bank Red Loan, Pudong Development Youth Loan, Pudong Development Bank Dian Loan, Pudong Pudong Development Bank Mengxiangjin

Pudong Pudong Development Bank Dian Loan :

Loan amount: 2,000 yuan to 300,000 yuan.

Loan term: up to 1 year.

Loan interest rate: The annual interest rate is approximately 8.28.

Features: You can repay in advance without any fees.

Thirteen: Hua Xia Bank Credit Loan

Name of the mouth: Yida Jin

Intermediary advertisement: Hua Xia Bank’s latest consumer loan, the fastest payment will be received on the same day

p>

Note: If you have a Hua Xia Bank credit card and are a high-quality customer, you can try it.

Fourteen: China Merchants Bank - Flash Loan

"Flash Loan" is a mobile Internet loan product launched by China Merchants Bank, featuring one-stop application and fast disbursement. Users can check the loan limit actively granted by China Merchants Bank through mobile banking, and the fastest arrival time is within 60 seconds.

Loan applicants: Only customers who have been actively granted credit by China Merchants Bank are eligible to apply. Otherwise, you cannot apply for this type of loan.

Loan limit: The credit limit for individual payroll customers is within 300,000 yuan, and the credit limit for business owners is generally within 200,000 yuan.

Loan term: individual customers are divided into 1 year and 2 years; business owners are divided into 1 month, 2 months and 1 year.

Loan interest rate: The loan interest rate for individual customers of Flash Loan is within 4.2/10,000 per day, with an annual interest rate of approximately 15.12, while the loan interest rate for business owners is between 4.2 and 4.8/10,000 per day.

Features: Be the first to apply for a loan on the bank’s mobile client. The loan approval time is short, no mortgage is required, and no materials are required. Mobile banking can directly complete the loan application, and the funds will be credited within 60 seconds after approval.

In addition, flash loans also have a "repay on demand" function, which allows you to repay at any time and in advance through self-service channels such as China Merchants Bank's mobile banking and personal online banking.

15. Bank of China-E Loan

E Loan is a personal online consumer loan method launched by Bank of China. It can apply online, be approved in seconds, withdraw funds online, and repay flexibly. . This product is a consumer credit loan that Bank of China uses the Internet and big data technology to provide full-process online services to high-quality customers.

Loan applicants: Special customers of Bank of China.

Loan amount: minimum 5,000 yuan, maximum 300,000 yuan.

Loan period: The validity period is 12 months, and the borrower can recycle the amount within the limit period.

Loan interest: It is adjusted according to the individual’s qualifications and the loan base interest rate. Generally, the daily interest rate is 0.02, and the annualized loan interest rate is 7.2.

Loan interest is calculated on a daily basis based on the actual number of days the loan is used.

How to apply for a credit card loan?

1. Call the bank to apply.

Remember, never say you want to apply for a credit card loan right away. Remember the term "cash installment". Some banks have other names, such as Guangfa's "everything red". Pudong Development Bank is called "Wanjin. Anyway, if you don't know, just say you want to apply for cash installment.

2. Provide credit card information.

Customer service will ask you 3 questions:

1. Name and the last 3 digits on the back of the credit card.

2. The purpose of applying for cash installment is as long as it is for re-education.

3. Confirm the number of installments for cash repayment. Ask the customer service how many installments there are and what the service rates are. Let him calculate it for you, and then you can measure the repayment in several installments.

What the bank needs to do:

1. Review your information. Whether the information you provide is accurate, you need to confirm that it is you who is handling it.

2. Review the amount you can handle. . Determined based on the applicant’s daily card usage, credit card limit, and repayment status. The higher the credit limit, the higher the cash installment amount that can be processed.

After the final review is successful, you provide a debit card account number, preferably a debit card from the credit card issuing bank. If it is a debit card from another bank, a handling fee will be deducted for the loan behind the credit card. Let’s stop talking about how to activate it.