Platforms that use credit card loans can try these 5 platforms if you have a credit card!

Nowadays, many people have credit cards. Many people will withdraw cash directly from their credit card when they need money urgently. In fact, withdrawing cash directly from your credit card is very expensive. For those who have credit cards and need money urgently, you can consider a credit card loan platform. Today I will introduce to you 5 platforms that use credit card loans.

1. JD Finance

JD Gold Bar is a pure credit loan product of JD Finance, which allows everyone to withdraw cash directly. In fact, JD Gold Bar is an upgraded version of JD Baitiao, allowing everyone to have more money.

The loan limit is relatively large, up to 200,000 yuan. You can borrow money by binding your bank card or credit card. The better your credit, the greater the credit limit.

2. Bank of Communications Angel Loan

Bank of Communications is a consumer loan product for young people aged 24-35. The maximum loan amount is 300,000 yuan, but most qualified applicants generally You can only apply for about 30,000 yuan. The monthly rate of Angel Loan supports consumer loan installments of 6, 12, and 24 installments.

3. China Merchants Union Consumer Finance is a formal platform approved by the China Banking Regulatory Commission, and its Haofi Dai has always been popular among borrowers. The review speed is very fast. According to the official statement, it is 7×24 hours. Most people can know the review results on the same day, and it will not exceed 3 working days at most. If you encounter any abnormalities, you can contact customer service.

4. Anyihua

Anyihua is a product of Ma Ma Consumer Finance Company that can be used for recurring loans. The loan limit is between 1,000-50,000, which can meet daily borrowing needs. Application conditions: 18-55 years old; Internet credit score of 620 or above; stable occupation; Mainland Chinese residents; stable income; good credit record.

Here are the popular loan platforms where credit cards are available

Using credit cards to pay can solve the problems in the daily lives of cardholders. Many young people use credit cards for consumption. If your credit card limit is not enough to meet your consumption needs, you can also apply for a credit card loan with a higher limit. So, what kind of loans can you get with a credit card?

1. Huanbei

Huanbei is a platform that allows you to borrow money with a credit card. The maximum credit limit is 50,000 yuan, and the loan can be repaid in up to 12 installments. However, it should be noted that the limit applied for by Huabei can only be used to repay credit cards, and cannot be used to withdraw cash from bank cards.

2. Hengyidai

Hengyidai is also a platform where you can borrow money with a credit card. The limit can be up to 200,000 yuan, and the loan can be repaid in 12 installments. The loan is issued very quickly. Kuai is relatively well-known among all online credit card loan platforms. There are many people applying and the card acceptance rate is pretty good.

3. Baoyin Consumer Finance

Baoyin Consumer Finance also offers credit card repayment products, so it is also a platform where you can borrow money with credit cards. The maximum limit is 50,000 yuan, and the maximum limit is 50,000 yuan. It can be divided into 12 installments. Like all credit card repayment platforms, the applied limit can only be used to repay credit cards and cannot be used to withdraw cash.

4. China Merchants Bank E-loan

Quality credit card customers of China Merchants Bank can be invited to open e-loan, which can be regarded as an exclusive cash installment product for credit cards, with an exclusive loan of up to 300,000 After the application is successful, the money will be transferred to the debit card, and you can repay it every month, which can be divided into up to 24 months. However, after using it, you will be locked up in a small dark room, and you will no longer be able to apply for cash installments, and you will not be able to increase your credit card limit.

The above are all loans that can be borrowed by credit cards. Card friends can apply for them.

How to get a loan if you have a credit card

1. Cash installment

In order to cope with the increasingly rampant credit card arbitrage, many banks have launched cash installment business. Its purpose is to satisfy customers who are short of money and in urgent need of money, and it opens a legal channel for using cash. Different from cash withdrawal, cash installment needs to be applied for. After the bank approves the application, the credit card limit will be converted into cash according to the amount applied by the cardholder, and transferred to the designated debit card. The cardholder can return it according to the designated number of installments.

In addition, it is worth our attention that cash installments can generally be divided into 1, 3, 6, 12, 24 and 36 installments. Once confirmed, the period number and amount cannot be changed, let alone canceled.

2. Cash advance

Cash advance is also called cash withdrawal. This method is the simplest. Just take your credit card to the ATM machine to withdraw cash. You can also apply to borrow money into a designated savings card through the APP and credit card online banking. Although the method is the simplest, cash advance also has shortcomings. For example, the advance loan limit can only reach 100% of the credit limit. If the limit is smaller, it will not be of much use. In addition, cash advance loans have handling fees and interest. The handling fee is generally 1%-3% of the cash withdrawal amount per transaction, and the handling fee is 0.05% per day.

3. Credit card loan

For large purchases, such as car purchases, renovations, etc., the bank will grant a certain loan amount based on the credit status of the cardholder, and then the cardholder will apply for a loan once There are two ways of repaying the principal: repaying the principal and repaying in installments.

For credit card loans, we need to pay attention to five aspects, namely loan term, handling fee, down payment, limit and payment time. Among them, the credit card loan period generally does not exceed 36 months, and the minimum period is not less than 1 month. The handling fee is a one-time fee. The fees of each bank are different and will be amortized into each expected repayment amount. The calculation method is: handling fee = installment amount × handling rate.

In addition, credit card loans are mainly aimed at large purchases, so the necessary condition is that you have to pay the down payment, which is usually 10%-30%. In addition, credit card loans also have limits. Depending on the applicant's credit rating, the general loan amount is 20,000-200,000. After approval, payment will generally be issued within 7 working days.

Extended information:

When using a credit card, you need to pay attention to the following:

1. A credit card has a minimum repayment amount, which is 10% of the current consumption amount. Only repaying this amount counts as normal repayment, but does not enjoy the interest-free period.

2. You can withdraw cash with a credit card, but interest will be charged for cash withdrawals.

3. Credit cards cannot be cashed out. Cashing out is illegal.

4. Don’t let others use your credit card at will.

5. Do not use other people’s phone numbers to pay off credit cards.

6. Do not use multiple card borrowing methods to repay credit card debts.