Which banks can lend money with credit cards? Take a look at these credit cards
In addition to overdraft consumption, credit cards can also be used for loans. However, it does not mean using a credit card as a voucher to apply for a loan from a bank. Instead, many banks provide hidden credit card benefits to high-quality cardholders. After a comprehensive evaluation of the cardholder, an additional cash installment limit will be granted. You can apply to borrow money within the period, let’s take a look below.
Which banks can lend money with credit cards?
1. Agricultural Bank of China
Agricultural Bank of China has a credit card consumption reserve fund, which means that the cardholder applies for an installment limit from Agricultural Bank of China, and after successful approval by Agricultural Bank of China, the consumption funds will be transferred to the designated credit card. For cardholders to repay the principal in installments and pay a certain amount of installment fees, the minimum single application amount is 500 yuan, and the maximum amount is 300,000 yuan.
If you want to use an Agricultural Bank of China credit card to apply for consumption reserves, the cardholder must be the main cardholder of the personal credit card, and the account status is normal, the credit status is good, and there is no outstanding overdraft debt.
2. Industrial Bank
Industrial Bank has an Xingxiangdai business, which can also be regarded as a credit card loan. It is a fixed limit on credit cards provided by Industrial Bank to high-quality credit card holders. For other one-time cash consumption limits, the minimum transaction amount starts from 1,000 yuan, and the maximum limit is said to be 300,000 yuan. Credit is mainly granted based on a comprehensive assessment of the cardholder's credit conditions.
Except that the limit of Xingxiangdai is different from that of a credit card, its business model and standard pricing are completely consistent with the cash installment business of Industrial Credit Card.
3. China Merchants Bank
e Zhaodai is a relatively good credit card loan from China Merchants Bank. It is also a cash installment loan and is granted credit by the bank after a comprehensive evaluation of high-quality cardholders. , you can apply to borrow money multiple times within the credit limit, transfer the money to a debit card in your name, and then repay it in installments.
You must seize the time when applying for an e-loan. If there is a discount, the monthly interest rate after discount is around 0.45~0.6, and the loan period can be up to 24 months, which is suitable for working people with long-term capital cycles. Family processing.
Which bank has a credit card (debit card) so I can apply for other loans?
China Construction Bank, Industrial and Commercial Bank of China, and Bank of Communications have credit cards (debit cards) for applying for other loans. These banks have different credit card (debit card) loan products. For example, Bank of Communications' credit card (debit card) loan products are mainly Haoxiangdai and Angel Loan. The minimum limit starts at 1,500 yuan, which does not conflict with the credit card (debit card) limit. You can withdraw cash or spend online. The maximum repayment period that can be applied for is 2 years, and you can choose installments, but the borrowing interest is higher than that of a credit card (debit card). The borrower can choose the credit card (credit card) that suits him or her for a loan based on the credit card (credit card) in his hand.
Which bank credit card can lend money? Introduction to credit card loan products of various banks!
Nowadays, more and more people are buying cars and houses, so there are also not a few people who are applying for bank loans. There are many ways to apply for a loan from a bank, and personal qualifications are an important factor. In fact, a better way is to get a credit card loan. Generally, users who have applied for a credit card at a bank will find it easier to get a loan. So which bank's credit card can lend money? Here is an inventory of the credit card loan products of various banks, let’s take a look!
1. Bank of Communications
The main credit card loan products of Bank of Communications are Haoxiangdai and Angel Loan, the details are as follows:
Haoxiangdai: Haoxiangdai The minimum loan amount is 1,500 yuan, and the maximum loan term can be 24 periods. After applying for a limit, you can withdraw it for use, which is independent of the credit card limit.
Angel loan: Angel loan is equivalent to the expansion of your credit card limit. Products purchased with an amount of more than 500 yuan will be automatically installmentd. The credit limit can only be used for card swiping at merchants or online shopping, and cannot be used for cash withdrawal.
2. China CITIC Bank
CITIC’s loans include: Kuaiyidai, Xinkuaicash/Dream Financial, and Miaomiaodai.
New Quick Cash/Dream Realization Gold: New quick cash will be issued about 3-5 days after high-quality customers withdraw their Dream Realization Gold, and the quota is unlimited. If you are not a high-quality customer, the new express line limit is generally shared with the dream limit.
Generally, a credit card with a credit card limit of less than 10,000 yuan will take at least 6 months to pay out the limit. Customers with a credit card limit of about 30,000 yuan can pay out the limit in 2 months.
3. China Merchants Bank
The main loan products include investment reserve fund of 300,000, e-loan of 300,000, car installments up to 1.5 million, flash loan of 500,000, China Merchants Bank is looking forward to it 300,000.
Basically, there are more applicants for e-loans and good-term loans now, and it is generally easier to get a quota. Friends who want to apply can apply for a loan directly on the website, or download the software on the mobile phone to apply for e-loans and cash installments.
4. Guangfa Bank
Guangfa Caizhijin can generally achieve 3 to 5 times the original limit of the card, and the money from Caizhijin can be directly transferred to the savings card. , and it can be done in a loop.
Under normal circumstances, as long as you make an installment plan, you will definitely have financial funds. If not, check to see if there is a problem with the card. There must be no overage or overdue, and it is best to There is no temporary. You can try the installment plan.
5. Shanghai Pudong Development Bank
The loans of Shanghai Pudong Development Bank include: Xiaopu Hongdai, Shanghai Pudong Youth Loan, Shanghai Pudong Development Bank Diandai, Shanghai Pudong Development Bank Beifujin, and Shanghai Pudong Development Bank Universal Gold.
There are more people applying for Pudong Development Bank’s universal card, which is also relatively easy to maintain. The maximum limit is 300,000. New cards are basically issued and may occupy the original limit.
6. Hua Xia Bank
Hua Xia has a loan product called Yi Da Jin, which can arrive on the same day as soon as possible. If you have a Hua Xia Bank credit card and are a high-quality customer, you can try it.
The maximum limit is up to 500,000, and the rate is monthly. You can evaluate it yourself. The good news is that there are no account management fees or any other additional fees. It is more convenient to withdraw cash directly after application.
Here we take stock of the credit card loan products of various banks. I hope it will be helpful to you. When you think your credit card limit is not enough or you need money urgently, credit card loans are not a bad option. Just choose the product that suits you and repay the loan on time!
Which credit card loan is better? These 5 platforms are pretty good!
In an era when credit cards are very popular, most young people have basically applied for credit cards. Many online loan platforms also saw business opportunities and took out credit card loans. So, which credit card loan is better? Today I will introduce to you 5 pretty good credit card loan platforms.
1. CITIC New KuaiXian
Xin KuaiXian is a large credit card installment loan from CITIC Bank. The loan limit can be up to 300,000 yuan. It does not require any mortgage and the review process is simple. It is relatively fast, and credit card holders with good credit will have a higher credit limit and it will be easier to get approval.
2. Industrial Bank Suixin Loan
Industrial Bank’s credit card short-term cash loan product does not require any collateral and is reviewed quickly. It is relatively easy to apply for Xixin Loan, especially credit card holders with good credit are more likely to be approved. The repayment of Xixin Loan is relatively free, and you can repay monthly or in advance.
3. 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.
4. 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 are 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.
The above is the answer.
Which credit card loan is better? Summary of credit card loan products of the 5 major banks!
Friends who have applied for bank credit cards all know that when a bank withdraws a credit card, it will specialize in credit card loans for its own customers. It will be easier to pass the general credit card loan review, because after all, the bank has a solid foundation. . In addition, a credit card loan can not only increase the limit on your credit card, but the interest rate is also lower than that of a credit card. But which credit card loan is better? We compared the credit card loan products of several banks.
1. Shanghai Pudong Development Bank Universal Gold
You can apply for Shanghai Pudong Development Bank Universal Gold by yourself if there is a limit. The limit is directly credited to the savings card. You can choose the number of installments and the application method. There are many, including Alipay and WeChat. The monthly handling fee is around 300,000, and the maximum limit is 300,000.
2. CITIC New Express Cash and Yuanmengjin
CITIC Credit Card’s New Express Cash is actually an installment of a temporary limit, which will be displayed on the credit limit of the credit card after application. As the repayment will slowly return to the original amount, the installment fee will be around.
Yuanmengjin is also an installment loan from CITIC, but it directly gives you a quota. You can set the minimum installment amount and number of installments by yourself. In addition, Yuanmengjin has a time limit for use, and there is no limit on the usage time within the specified time. It will become invalid after use.
The reserve amount of Ping An Bank is directly transferred to the credit card. Set the number of installments when applying. When the card is used, the automatic installment of the reserve fund will be automatically used. The consumption details and bills are on the credit card statement, and the installment fee is about the same.
4. Bank of Communications Haoxiangdai
The Bank of Communications Haoxiangdai limit is not related to the credit card limit. After applying, you can directly add a limit to your credit card. When signing the contract, Set the starting amount of the transaction and the number of installments. When the consumption reaches the starting amount of the transaction, the limit of Haoxiangdai will be automatically used. Generally, the minimum setting is 1,500 yuan.
5. China Merchants Bank’s reserve fund
China Merchants Bank’s reserve fund is also a credit card loan product. It provides a minimum limit of 5,000 and a maximum of 300,000. After successful application, it will be directly distributed to your credit card account. , consumption details and so on are also in the credit card statement.
Here we introduce to you the credit loan products of 5 banks. As for which product is better, everyone has different opinions. You can choose according to your own needs.