Which bank is best for approving pure credit loans
Which bank is best for approving pure credit loans
1. Industrial Bank-Xingxiangdai
The exclusive cash installment limit issued by Industrial Bank to high-quality cardholders is actually similar to a credit card loan. Only invited customers can apply for it. The minimum amount starts from 1,000 yuan, and the maximum amount is said to be 300,000. It can also be applied for in WeChat Bank. The system Automatically approve loans, and you can get a loan amount on the same day if you are qualified.
2. China Merchants Bank - e-Banking Loan
For personal credit loans issued by China Merchants Bank through credit cards, only high-quality cardholders can be qualified. The maximum limit is 300,000, and the maximum limit is 300,000. You can borrow for 2 years, and you can enjoy preferential interest rates if there are events, with a minimum of 0.45 per issue. You can apply directly on the China Merchants Bank Credit Card WeChat official account. The system will automatically approve the loan, and the results will be available as soon as the same day.
3. Minsheng Bank-National Le Installment
Minsheng Bank has also launched an exclusive installment business called Minsheng Universal Le Installment for high-quality cardholders, with a maximum limit of 300,000 yuan. , within the limit, you can handle three types of business: bill installment, free installment and cash installment. If you want to borrow money, you can apply for cash installment. You can transfer the Quanminle installment limit to the debit card under your name, and then repay the loan in installments.
In addition, there are Pudong Development Bank and CITIC New Express, which are also loans derived from credit cards. They are only available to high-quality customers. It is recommended that everyone use their cards well and develop good card usage habits. Getting used to it and repaying it on time will help you succeed in borrowing.
The above content is for reference only and does not provide any loan advice. Online loans are risky, so be careful when choosing!
Recommend you to get a loan from Xiaoman Finance (formerly Baidu Finance). The borrower only needs to provide the second-generation ID card and bank card, and the age must be between 18-55 years old. The approval is very fast. It only takes 30 seconds at the fastest, and the loan funds can be received in 3 minutes at the fastest. You can borrow up to 200,000, and the daily interest rate is as low as 0.02.
Du Xiaoman - If you have money to spend (batch in seconds), click online to measure the amount
As a reminder: after the limit is exceeded, try to withdraw the full amount, because risk control is dynamic. Not many people can lend money now. If you have needs, it is recommended to withdraw the full amount. Early settlement and repayment is supported after the first installment.
Many people have enough money to spend, so you can try the following two platforms, which are also relatively formal licensed financial institutions! The review is relatively less strict! 360 IOU is a financial subsidiary of 360 Anti-Virus Software, and Fenqile is a subsidiary of Lexin. They are both large companies.
360 IOU can borrow up to 200,000 yuan!
Click to measure the amount online
You can borrow up to 50,000 in installment loan!
Click to measure the amount online
Which bank is better for credit card loans? Which one is better to apply for?
Credit card
Which bank is better? Which one is better to apply for?
1. Industrial and Commercial Bank of China
Online banking is the most powerful. U-shield users have no limit on single transaction, and the above platforms also support it. It's not easy to get approved for an ICBC credit card (when I went to apply, the salary card must be from ICBC, and I can't apply for a card with a card), but if you use it well, there are many ones with high credit limits. Moreover, there is no handling fee for cash withdrawals with ICBC credit cards (in the same city), and the installment handling fee is the lowest. Relatively speaking, it is very worth having.
The advantages are as mentioned above. It is good for customers with assets, and the risk control is not very strict. In particular, the MasterCard Platinum Card is very good and worth introducing. Temporary quotas are not easy to approve.
2. Bank of Communications
Bocom has many activities, the most popular Friday activity, top up at designated supermarkets or PetroChina every Friday, get 5 card swiping points back, 10 for platinum cards, and free for platinum supplementary cards .
However, risk control is strict, and the temporary quota lasts for a long time. The temporary quota lasts for 3 months. Generally, you will get a fixed quota after the approval.
3. Minsheng Bank
Minsheng Bank has a good reputation. If you enter with an RV, you can basically get a card, with a limit starting from 50,000. It supports card application, and platinum cards from other banks that have been held for more than 6 months are sufficient. Temporary quotas are easy to approve.
4. Bank of China
Bank of China does not trust assets but deposits. If you have money, you can still place a large-denomination card. Moreover, among commercial banks that use cards to apply for cards, Bank of China cards are relatively high-quality. Card is also worth having.
5. China Merchants Bank
China Merchants Bank cards are not suitable for online payment, and the limit is generally not very high, but the service is good, there are many activities, the card is easy to approve, there are many card types, and the temporary limit is good Approved, and the China Merchants Bank debit card is also very powerful. This is also a relatively high-quality card among the cards.
6. Everbright Bank
There are two main advantages. Almost all purchases have points and the limit increases quickly.
In addition, you can apply for other card types according to your own preferences. There are also some city commercial banks, such as Bank of Beijing, Bank of Shanghai, Baoshang Bank, Bank of Hangzhou, etc. You can apply according to the actual situation of each place. There are also very impressive places.
In general, China Merchants Bank’s card application threshold is low, and temporary quotas are easy to approve. Minsheng's credit limit is relatively large. The rest of them have specific introductions, so I won’t introduce them!
Which bank loan is the easiest?
Bank loans from Agricultural Bank of China, Industrial and Commercial Bank of China, Bank of Communications, China Construction Bank and Shanghai Pudong Development Bank are all relatively easy.
1. Agricultural Bank of China:
The Agricultural Bank of China has branches all over China’s urban and rural areas, making it the large modern commercial bank with the most branches and the widest business coverage in China. Loan business includes: absorbing public deposits; issuing short-term, medium-term and long-term loans; handling domestic and foreign settlements; handling bill discounts; issuing financial bonds; agency issuance, redemption, and underwriting of government bonds; and buying and selling of government bonds; Engaged in inter-bank lending; buying and selling, and acting as an agent for buying and selling foreign exchange; providing letter of credit services and guarantees; acting as an agency for collection and payment, and agency for insurance, etc.
2. Industrial and Commercial Bank of China:
The basic mission of Industrial and Commercial Bank of China is to raise social funds through domestic and foreign financing activities in accordance with national laws and regulations, strengthen credit fund management, and support enterprises Production and technological transformation serve our country's economic construction.
ICBC adheres to being market-oriented and customer-centered, accelerating business innovation, improving customer services, and striving to build China's No. 1 retail bank. It was awarded the Best State-owned Retail Bank in China by Singapore's "Asian Banker" magazine Bank Awards.
3. Bank of Communications:
Bank of Communications is one of China’s major financial service providers. The group’s business scope covers commercial banking, securities, trust, financial leasing, fund management, insurance, Offshore financial services, etc. Bank of Communications has 235 domestic branches, including 30 provincial branches, 7 directly affiliated branches, and 199 provincial branches, in 239 prefecture-level and above cities across the country;
158 counties or counties It has 3,270 business outlets in the first-level city ***; it has 7 non-bank subsidiaries, including wholly-owned subsidiaries BoCom Leasing, BoCom Insurance, and BoCom Investment, as well as holding subsidiaries BoCom Fund, BoCom Guosen, BoCom Life, BoCom International.
4. China Construction Bank:
It is a large state-owned bank managed by the central government and a national deputy ministerial level unit. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in 29 countries and regions, and owns funds, leasing, trusts, life, property and casualty insurance, investment banking, futures, and pensions. subsidiaries in many industries.
5. Shanghai Pudong Development Bank:
The main business of Shanghai Pudong Development Bank includes absorbing public deposits, issuing short-term, medium-term and long-term loans, handling settlements, handling bill discounts, issuing financial bonds, and agency issuance , acting as payment agent, underwriting government bonds, buying and selling government bonds, inter-bank lending, providing letter of credit services and guarantees. Including Pudong Development Bank’s wealth creation, supply chain financing, pension business, cash management, asset custody and offshore banking.
Loan Notes:
1. The information provided to the bank must be true, the address and contact information provided must be accurate, and the bank must be notified in time when changes are made;
2. The purpose of the loan must be legal and compliant, and the transaction background must be true;
3. Choose a repayment method that suits you based on your repayment ability and future income expectations;
4 . When applying for a loan amount, you must act within your ability. Usually the monthly repayment amount should not exceed 50% of the total household income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6 , repay the loan on time to avoid a bad credit record;
7. Do not lose the loan contract and IOU. For mortgage loans, do not forget to cancel the mortgage registration after paying off the loan;
8. Early repayment must be handled with the bank one month in advance.
9. When applying for commercial loans for foreigners, banks generally require borrowers to have a stable income in the local area and to go to the place of residence to issue a household registration certificate (some banks also require an office certificate); while house purchase guarantees The company's requirement for foreigners is that they must have local income and apply for a temporary residence permit.