Easy Loan is a consumer credit business launched by Bank of Communications credit card. It is a consumption limit approved outside the credit card limit, and the interest of Bank of Communications Easy Loan is relatively high among other consumer loans. When the Bank of Communications enjoys the loan, it can be automatically divided into installments when it consumes 5 yuan. There is no interest in installment, but there will be a certain installment fee. The installment fee is charged on a monthly basis, which is affected by the installment rate and installment principal. Installment fee = installment principal * installment rate,
the initial amount of a good loan is 1,5, 3, or 5, yuan, and the number of installments is .93%; The number of six stages is .8%; The number of installments of 12 or 24 is .72%. In short, the longer the number of installments and the larger the amount, the more interest will be generated.
it should be noted that once the cardholder selects the initial amount of the good loan, it will be automatically divided into stages above this initial amount, and the corresponding interest will be generated, even if it is repaid in advance, the interest will not be reduced.
for example, if the cardholder applies for a good loan of 1, yuan, the rate for the 12th installment is .72%, and the monthly handling fee is 72 yuan, and the total handling fee is 864 yuan. Even if the cardholder pays off the remaining amount in advance, the handling fee will not be refunded.
application method of bank of communications credit card enjoy loan
1. customer service hotline application
cardholders of bank of communications credit card jinpu can call the "enjoy loan" service line of bank of communications, and the general working hours are from 9: to 18: , and cardholders of bank of communications gold card can call the platinum card service line to apply.
2. Online banking application
Cardholders can log in to Bank of Communications credit card online banking to apply. Of course, the prerequisite is that the cardholder's online banking has been activated, and cardholders who are not activated cannot apply for a good loan in this way.
3. Application for Mobile Banking
Cardholders can log in to Bank of Communications Mobile Banking, activate and apply for a good loan, and follow the instructions on the page to complete the application operation.
4. The bank invites
Sometimes the bank invites high-quality customers to enjoy the loan business, and the bank customer service will call to ask if it is necessary to enjoy the loan. If you want to do it, you can directly tell the customer service to activate it.