1. How to apply for a loan with a credit card? Now everyone does it!

In an era when credit cards are basically popular, many credit card holders are beginning to explore other functions of credit cards. Some people ask how to apply for a loan with a credit card. Today I will teach you some methods of applying for loans with credit cards, so that cardholders can have more loan channels.

Generally speaking, credit card loans can be divided into new loan models and traditional loan models. Judging from the current situation, new loan models are relatively popular. The general lending model is as follows: New loan model. Many banks provide specialized consumer loan products for their credit card users, which do not share the credit limit with credit card bills, such as China Merchants Bank's e-Banking Loan and Bank of Communications' Haoxiangdai. If you are buying a car with a loan, you can also apply for a car installment loan directly through a credit card. There are many discounts for car installment loans with bank credit cards. Not only are there interest-free activities, but designated models can also enjoy zero down payment treatment. Traditional Loan Model For credit card holders, withdrawing cash directly through credit cards and applying for cash installments are both methods of applying for loans using credit cards. However, the interest and handling fees for cash withdrawals with credit cards are very high, so they are not suitable for long-term and frequent use. From the above content, you should have a general understanding of how to apply for a loan with a credit card. You can choose a loan model that suits you based on your preferences and loan needs. How to calculate credit card loan interest? You need to know these routines! 5 Credit Card Loan Platforms You Should Always Keep If Your Credit Report Is Bad!

2. What to do with credit cards and how to use them for loans.

Currently, there are many credit card issuing institutions in various banks. For different customer groups, the emphasis on personal credit requirements is different. , the specific requirements are different, but some basic conditions are the same: 1. Aged between 18 and 65 years old; 2. Have a stable career and income; 3. Have good credit and pay interest on time Ability; 4. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, and mental patients to a certain extent are not allowed). If you have not yet met the conditions for applying for an ordinary credit card, you can apply for an additional card through your parents or spouse. To apply for an additional card, you must meet the following conditions: 1. A natural person with full capacity for civil conduct or limited capacity for civil conduct 2. Over the age of 13 Age 3. Applicants for supplementary cards who are under 16 years old must provide a copy of their household registration book when applying. It is worth noting that some cards are not available to everyone and have some special requirements for cardholders. For example: CITIC Bank Magic Credit Card can only be applied for by women. B. Relevant credit certificates that applicants need to provide: 1. Fully prepare various asset certificates. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally do not need to provide proof of income or assets. You only need to copy the credit cards you already own when applying and attach them to the application form. Just send it (even if the credit card you have is not the card of the bank you are applying for, it is OK, because each bank can check your credit status through the personal credit information system of the Central Bank. Good consumer credit and repayment credit are the most important things for banks. valued). If you are applying for a credit card for the first time, because you do not have any consumer credit history, the bank mainly relies on your various income and asset status to decide whether to approve the card for you and the size of the credit limit. Generally speaking, if you are applying for a credit card for the first time, the limit will not be too high unless you can provide sufficient proof of assets, such as income proof, house ownership certificate, mortgage purchase certificate, car title certificate, bank deposit certificate or Securities certificates, etc. Of course, in addition to asset certificates, other certificates that can prove your personal abilities will also help you obtain high-limit credit cards, such as academic certificates, technical level certificates and other qualification certificates. 2. Fill out the application form carefully.

Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the chance of obtaining credit card approval, and the higher the limit): 1. Whether there is a landline in the city Number (having a fixed phone number in this city means that your place of residence is stable, which will increase the bank’s credit evaluation score); 2. Whether you are married (the score of married is higher than that of unmarried); 3. Whether you have a household registration in this city (this city The score of household registration is higher than that of registered residence in other places); 4. Whether there is a house (the score of owning a house is higher than that of not having a house, and the score of self-living is higher than that of living with parents); 5. Educational level (the higher the education level, the higher the score) ; 6. Nature of the work unit (the more stable and well-known the work unit is, the higher the score. For example, government institutions, large state-owned enterprises, and Fortune 500 companies all have higher scores, while unknown private companies and small foreign companies have lower scores) ; 7. Position status (the higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees).

3. I bought a house and applied for a loan. The bank got me a credit card and sent it to me today. I have never used it. I would like to ask you how to use the credit card.

Credit cards are used in your future. The amount of money depends on your limit. Generally, it is best to use less than 80% of the funds. If you want cash, just use the POS machine to swipe it out. Nowadays, many companies give away machines for free. Big companies are safe, and you can also directly ask for it. You can also pay the card in installments in the second month before the limit will be increased