China Construction Bank has always had many customers, many of whom have handled credit card or loan business in China Construction Bank, and credit card installment loans in China Construction Bank have always been very popular. Then, how to borrow the installment loan from CCB credit card? What are the terms of the loan? I will answer your question today.
1. Credit card of Zhang Jianshe Bank.
If you want to apply for a credit card loan from CCB, you must first have a credit card from Zhang Jianshe Bank, and it should be noted that the credit limit of this credit card should not be too low, because your cash withdrawal limit and installment loan credit limit are determined according to the credit limit of your credit card. So if your quota is not high, then you can't borrow much money.
It doesn't matter if your credit limit is not high. Spend more by credit card, or provide you with sufficient proof of assets and financial resources, and let CCB bring your credit card up before applying for a loan.
Second, credit card records should be good.
If you want to apply for a credit card loan, you must have a good credit record. Only when the credit card is in good condition and there is no record of overdue repayment can the loan be easily obtained. If you are overdue for more than three times or the accumulated overdue days exceed 10 days, the bank will still refuse to handle the loan for you.
The above is about "how to borrow the credit card installment loan from CCB? What are the conditions? " In fact, there are two conditions for CCB credit card loans. First, there is a CCB credit card with a good amount. Second, this credit card has a good repayment record and no overdue record. Generally meeting these two conditions, it is quite simple to give CCB a credit card loan.
How to apply for a credit card loan by credit card is as simple as that.
It is easy to apply for a loan with a credit card. In fact, many card friends don't know this. In addition to some online platforms in the market that can use credit cards for loans, credit cards themselves actually have such "special functions". Let me tell you how to get a credit card loan and how to apply for a credit card loan.
What is a credit card loan?
Credit card loan is simply credit card installment business, such as cash installment of China Merchants Bank, universal fund of Shanghai Pudong Development Bank and angel loan of Bank of Communications. In fact, it's just that the business name of each bank is different and the essence is the same.
A kind of overdraft function provided by banks to cardholders turns the consumer loan function of credit cards into unsecured, which is actually a credit card-to-loan business. After the credit card loan application is approved, the bank will transfer part or all of the credit card amount to the debit card, repay the loan according to the repayment period agreed with the bank, and the cardholder will pay the corresponding handling fee.
How to get a credit card loan
The threshold for credit card loans is generally not high. As long as the cardholder has a good record of consumption and repayment, when there is a cash demand, the application to the bank will generally pass. Some banks take the initiative to invite credit card loans, and most of them are cardholders who take the initiative to apply according to their own needs. The process of cardholder's active application is as follows:
1. Call the customer service phone of the bank credit card for manual service.
2. Tell the customer service that you want to apply for a credit card loan or cash installment. Customer service will ask what purpose you will use the funds for. Remember not to say it's for investment, but to say something else. After the approval, you will be asked to name the last three digits on the back of the credit card, and then put the funds into the savings card of the credit card issuer, which can be other bank savings cards, but other bank cards will be charged a handling fee.
More and more people apply for credit cards to meet their daily consumption and expenses. If you want to apply for a credit card, I will give you a safe and quick application entrance! Click on the credit card application entrance directly. There are the most complete types of cards here, depending on which one you want to apply for!
I want to ask how to get a credit card loan from China Construction Bank.
CCB's credit card loan is also a cash installment of credit card. The specific application method is as follows:
1. Apply through mobile banking of CCB: After opening and logging in to mobile banking, click "Credit Card-Cash Installment" in turn, and then apply according to the system prompts;
2. Apply through WeChat official account: WeChat pays attention to WeChat official account "China Construction Bank", then enter "cash installment" in the dialog box and send it, and click the pop-up link to apply;
3. Apply through CCB Personal Online Banking: Click "Credit Card-Account Transaction-Credit Card Installment-Cash Installment Application" on CCB Online Banking.