I would like to ask how to get a CCB credit card loan

1. Open the CCB app on the desktop of your mobile phone.

2. Open the China Construction Bank app and click on the arrow in the upper left corner of the page.

3. Next, click Login.

4. After logging in, click on the small and micro quick loan pointed by the arrow.

5. In the page that appears, select the loan you want to apply for and click Apply.

Can China Construction Bank lend money?

Can China Construction Bank lend money? Not only China Construction Bank can provide loans, but other banks can also handle loan services for users. China Construction Bank is one of the four major banks in China. It can not only deposit and withdraw money, but also handle mortgage loans or credit card services for users.

It is also very convenient to apply for mortgage loans with China Construction Bank. As long as you bring the original and copy of your ID card, personal credit report, bank card statement, work certificate, income certificate, business license, house pre-sale contract or real estate certificate copy and other materials to the China Construction Bank, you can handle the mortgage loan business.

CCB handles mortgage loans very quickly and will generally notify users of the loan results within three working days. When a user successfully applies for a loan from China Construction Bank, China Construction Bank will send a repayment statement to the user's mailbox every month.

It is more troublesome to handle. It is a loan without collateral and depends entirely on personal credit history. China Construction Bank has very strict requirements for customers, and will go to users' residences for unannounced visits and on-site investigations.

Although banks stipulate that mortgage loans also require on-site inspections, few actually conduct on-site inspections of residences. Bank staff will only inspect the property certificate. Users can go to China Construction Bank to inquire about related loan conditions.

Can I borrow money only with credit cards from China Construction Bank? You need to know these things about credit card loans

As one of the most common financial institutions on the market, banks have many types of loan products, and credit cards are one of the bank's main businesses. In addition to using credit cards for consumption, cardholders can also use credit cards to apply for loans. Can I get a loan only with a CCB credit card? Everyone needs to know these things about credit card loans!

Can I borrow money only with credit cards from China Construction Bank?

Of course not, most banks on the market provide credit card loan services. As long as the user holds a credit card from the bank and meets the bank's loan application conditions, he or she can apply for a credit card loan. Because CCB is a state-owned bank with a larger scale and more mature credit card loan business, many users trust CCB more.

Each bank has different regulations on the amount of credit card loans that can be applied for, but they will all be evaluated based on the cardholder’s comprehensive qualifications. Generally, it will not exceed 200,000 yuan. For example, according to Shanghai Pudong Development Bank's regulations, the maximum loan limit for a credit card can reach 100 of the credit limit.

When determining the loan limit, banks will also focus on examining the credit record and frequency of card use of the cardholder. From this aspect, cardholders with better credit records and higher frequency of card use will be better off. The higher the loan amount that is approved.

Most of the credit card loans of various banks are online consumer loans. Borrowers do not need to provide mortgage or guarantee when applying. Cardholders who have stable jobs and meet the bank's basic loan application conditions can try to apply. However, the interest rate of credit card loans is different from the handling fee of the credit card itself. Each bank has relevant regulations. Cardholders can check it on the official website.

The above is the sharing of relevant content on "Can I get a loan only with a credit card from China Construction Bank?" I hope it can help everyone!

Can I get a loan with a CCB credit card?

How much can I borrow with a CCB credit card?

CCB’s credit card does not provide loan functions, but there are two similar loans Among the large installments, one is the car purchase installment and the other is the housing installment.

For both of these businesses, CCB transfers an additional amount of money to your credit card limit, which is used to buy a car or renovate a house, and then repays it to the credit card in installments. However, this money can only be paid at the dedicated installment POS of merchants that CCB cooperates with. It can be used by swiping the card on board, which cannot be used by ordinary POS machines.

As for the amount of large installments, it depends on the actual situation of the poster. Generally, the maximum is no more than 200,000.

If the poster has other questions, you can ask.

Is China Construction Bank credit card acceptable?

Credit cards do not have loan functions, but currently China Construction Bank has a large-amount special installment business for car purchases and home decoration. It provides a special installment amount on the basis of the original credit card limit. , for customers to buy cars or home decorations, but there is no way to withdraw this limit. They can only be used in installments by swiping their cards at designated cooperative merchants. For detailed business introduction, the author can go to CCB's credit card homepage for a general understanding.

If the poster needs cash, he also has a business called cash installment, but the amount must be within the credit card limit. Let me give you a detailed introduction to the poster:

Cash installment: It can give you a sum of cash from your credit limit and transfer it to your savings card in China Construction Bank. You can then withdraw it from the savings card and use it. Pay it back to the bank every month. The advantage of this business is that it is not restricted by POS machines and can be used for cash transactions.

Processing time: no specific restrictions

Processing amount: starting from 500 yuan, must be an integral multiple of 100 yuan, up to the available limit of your credit card (not counting overpayments) and temporary quota), the total amount does not exceed 50,000 yuan

Processing channels: other credit card homepage, cash installment business introduction page or CCB branch

Instalment fee: screenshot of the official website of the original poster The poster can take a look at the picture below: .

For example: Assume that the bill date of the poster is the 5th of each month, and the repayment due date is 20 days after the bill date, that is, the 25th of each month. The credit limit of the poster's credit card 10,000 yuan, the current available limit is 6,000, apply for a cash installment of 5,000 yuan on 6/6, and choose 6 installments. The principal of each installment = 5000/6 = 833.33 yuan, the installment handling fee = 50000.75 = 37.5, the repayment of each installment = 833.3337.5 = 870.83 (the bill will be paid on 7/5 and paid before 7/25).

The above briefly introduces the cash installment business to the poster, but the specifics should be considered based on the actual situation of the poster.

Can CCB apply for loans with credit cards?

Now CCB has launched a cash installment business, which means that all your credit card limits will be transferred to your savings card for you to use cash. You only need Just pay the handling fee, there is no interest, one period is one month, generally divided into three periods, six periods, one year, two years. The handling fee for the three periods is 85 yuan per 10,000 yuan, and the other is 75 yuan per 10,000 yuan. Handling fees are charged monthly. You can bring your ID card, savings card and credit card to the branch to apply for it, or you can apply yourself through online banking or mobile banking.

Which cars can be financed with CCB credit cards?

CCB credit cards have car purchase installment services. You can log on to the official credit card website - Home Page - Installment Payment - Car Purchase Installment - Cooperative Brands to see if there is anything you like. Make and model. After applying for car purchase installments, you first pay a proportional down payment, and then China Construction Bank will approve a special amount for you to pay the balance. Then you repay it in installments to your credit card without interest and just pay a certain percentage of handling fees. The most important thing is that it is mortgage-free. The application process is as follows:

① The customer first selects a car at the dealer, test drives it, and negotiates with the dealer to determine the purchase price;

② Present the Dragon Card credit card and ID card, and fill in the Car purchase installment application form;

③The dealer submits the customer's application information to CCB;

④After the application is approved, the customer goes to the dealer to pay the down payment and go through relevant procedures;

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⑤After receiving the notice from the dealer to pick up the car, swipe the card to pay the balance and pick up the car;

⑥Repay in monthly installments through Longka credit card.

Can I apply for a loan at CCB if I have a CCB credit card? What procedures are required?

What you can directly apply for with CCB credit card is CCB credit card car purchase installment, home improvement installment, and cash installment. If you want to apply for other mortgages, etc., you need to apply at a CCB branch. It has no direct relationship with CCB credit cards. As long as there is no overdue record on CCB credit cards, it generally will not affect your loan application.

Can I apply for a loan at the counter with a CCB credit card?

It cannot be done with a credit card alone. When applying for a loan, the lender needs to prepare information into the following categories:

1. Personal identity certificate: ID card, residence permit, household register, marriage certificate and other information;

2 . Provide proof of stable sources of income: bank statement, labor contract, etc.;

3. Provide proof of stable address: such as house rental contract, utility payment slip, property management and other related certificates;

4. Other information specified by the bank.

Can I get a loan with a CCB credit card?

The CCB credit card provides two loan functions similar to the loan limit period, the car purchase period and the settlement period. CCB can transfer additional money to the credit card limit for buying a car or renovating a house. The credit card money can be used by CCB cooperative merchants. The special period POS machine can be used to swipe the card and the general POS machine can be used

The credit limit should be based on the actual situation of the poster, generally exceeding 200,000

Can CCB credit card loan be 5 points

Yes,

1. You can use your credit card to make purchases directly, and then apply for a single installment or bill installment;

2. You can apply for a cash installment (equivalent to a loan) or Directly use a credit card to advance cash at an ATM;

Can I get a loan if I have a CCB credit card?

The credit card itself is short-term, with a low amount, usually within two months. If a credit card doesn't meet your needs, then the only option is to get a loan.

Bank loan application conditions:

Natural persons aged 18 to 65;

The actual age of the borrower plus the loan application period should not exceed 70 Years old;

Have a stable career, stable income, and the ability to repay the principal and interest of the loan on time;

Good credit, no bad records, and the purpose of the loan is legal;

Bank Other conditions specified.

Can I get a loan with a credit card from China Construction Bank?

The credit card itself has a limit, and you can use it as an overdraft within the limit provided by the bank.

As far as I know, China Construction Bank provides some installment services for credit cards, and will approve additional overdraft limits for the purchase of designated installment products, such as car purchase installments and housing installments.

"Dragon Card car purchase installment payment: refers to the case where the cardholder agrees to pay the down payment (the down payment is the net car price minus the approved amount), and applies to our bank to use its Dragon Card credit card (excluding commercial cards) , student card, supplementary card and guaranteed card), purchase a family car at our bank's designated dealer. After approval, our bank will divide the actual installment amount into several equal installments, and the cardholder will repay it monthly within the agreed period. The business of paying a certain handling fee. "

"The Long Card Credit Card Anju Installment Business (referred to as "Anju Installment") refers to the cardholder's application for using his Long Card Credit Card (commercial card, student card, supplementary card and guarantee). Cards excluded) purchase goods or services at our bank's designated Anju merchants. After our bank's approval, the cardholder pays the Anju payment through a special installment POS machine at our bank's designated Anju merchants. The corresponding transaction amount is divided into several installments, and the cardholder pays the amount at the A business that requires monthly repayment within an agreed period and a certain handling fee."

Neither of these two installment businesses can directly withdraw cash. If you really have this need, you can consider applying, which is equivalent to It just gives you a loan to buy a car or decoration, and then you can slowly pay it back in monthly installments.