what are the credit card loan platforms?

1

There are many credit card loan platforms, and some banks also provide credit card loan services. For example, Bank of Communications' good loans, good cash loans and good commercial loans, as well as China Merchants Bank's e-loan, Guangfa Bank's financial intelligence, Huaxia Bank's Yi Dajin and so on.

Credit cards can be used not only to overdraw consumption to buy goods, but also to apply for loans. There are many credit card loan platforms, and some banks also provide credit card loan services. For example, Bank of Communications' good loans, good cash loans and good commercial loans, as well as China Merchants Bank's e-loan, Guangfa Bank's financial intelligence, Huaxia Bank's Yi Dajin and so on.

among them, Easy Loan is an exclusive automatic installment business for eligible cardholders. After the cardholder finishes signing the contract, when the eligible transaction exceeds the set initial amount, he will use the amount of Easy Loan and automatically convert it into easy loan installment according to the number of installments previously signed by the customer. Good Cash Loan is an exclusive cash consumer credit service provided to high-quality main cardholders. The successful amount of the loan will be transferred to the cash account of Bank of Communications' good cash loan business, and customers can go to the bill payment APP to withdraw cash. Good commercial loan is also an automatic installment business customized for eligible cardholders. After signing the contract, customers will spend money in designated industries (only car purchase is supported for the time being) or designated merchants (automobile/education/wedding/medical care, etc.), and the transaction will be automatically phased when the consumption amount reaches the set initial amount.

e-lending is a short-term cash credit business with daily interest provided by eligible credit card holders. After the customer successfully handles the transaction, China Merchants Bank will transfer the money to the valid cartoon account opened by the cardholder in the Bank or other bank debit cards supported by the Bank, and the funds obtained can be used for daily consumption. Caizhijin is a credit card service provided by Guangfa Bank for cardholders to repay by installments through overdraft transfer. After the customer's application is successful, Guangfa Bank will transfer it to its designated domestic savings account with the same name through overdraft transfer. Easy Gold is a cash solution provided by Huaxia Bank for qualified customers by combining the functions of credit card withdrawal and installment payment. Customers can automatically pay by credit card in installments, borrow cash in advance, etc. within the credit line of Yidajin.

What are the

simple and reliable loan platforms for the credit card loan APP? The loan platforms that are easy to pass are:

(1) Zhaolian Good Term Loan: the credit products of Zhaolian Finance are applied online for online review. As long as users have good credit and certain repayment ability, it is easier to apply.

(2) Easy Flower: The application threshold for Easy Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.

(3) Borrowing: As long as there is an application entrance and quota, the success of the next payment can basically be ensured.

(4) Micro-loan: It is necessary to check the credit line in advance, and users with good credit have a high pass rate.

(5)36 IOUs: pure credit loan products. You can apply if your age meets the requirements and your credit information meets the requirements.

I was in need of business turnover myself before. I used several products, and the first one I applied for was a small amount of money (formerly Baidu Finance), which was exactly 1W (the maximum platform support was 2W), and the interest rate was also very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them were put forward and divided into 12 periods.

Baidu Finance is a regular licensed consumer finance company, and there is no charge for the application process and the whole process of receipt.

small amount of money-money spent (in batches in seconds) Click online to measure

small amount of money-special attention should be paid to money spent:

1. Cash out as soon as possible after the money has been spent, because the amount may become invalid after a long time.

2. It's best to withdraw the cash in full at present, because I read other people's posts that if you withdraw too little, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection in the withdrawal process, and it is safer to withdraw at least 6%.

after the third installment, you can choose to settle it in advance, and it won't hurt us to pay interest as long as it takes. Let's make sure to bring it up first.

1. The conditions that should be paid attention to in bank loans are:

(1) The applicant has reached the age of 18 and has full capacity for civil conduct;

(2) The applicant has good credit;

(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;

(4) Have a valid household registration certificate or a valid residence certificate;

(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest on time and in full.

II. Risks of loans

(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.

(2) When the company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, resulting in the inability to buy or sell the property and the inability to obtain loans.

(3) The agreed interest rate is very low, but there are many other expenses (such as deposit and handling fee).

(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or asks for additional fees.

(5) Many "dirty" companies want your house instead of interest.

third, because of the so-called low risk and high profit, many private mortgage loans are now being handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there are also many routines. Is it true that private loans are not suitable for loans? No, after all, not everyone who needs funds can borrow money from banks. Private loan companies have solved the problem that many enterprises and individuals urgently need money.

What are the loan platforms

There are still many formal loan platforms, and here are only three of them.

I have money to spend.

Money Flower is a credit service brand owned by Du Xiaoman, which can provide loan services for individual consumers and small and micro business owners, and it is the choice of many small and micro business owners.

users who meet the requirements of age and information can try to apply for money in the Xiaoman APP. When applying for the quota, the system will evaluate it according to your comprehensive situation, and then give the specific quota and the corresponding interest rate. If you feel that the applied interest rate is acceptable, you can try to apply for a loan.

second, excuse me.

Borrowing is a consumer credit loan product in Alipay. Users can directly apply for borrowing through Alipay, find borrowing on Alipay My page, and then try to apply for opening according to the prompts on the page.

third, micro-loans.

Micro-loan is a credit product of Weizhong Bank. At present, there are two application channels: WeChat and mobile QQ. Take WeChat as an example, as long as we can find the words "micro-loan to borrow money" in our service page, we can try to apply for opening, and the system will review it. Users who can successfully open and get the quota can try to apply for a loan.

The APPlication methods of these three platforms are similar. We only need to find the product entrance in the corresponding app, click to enter, read the agreement according to the prompts and agree to open it, and then we can try to apply for the quota. Users who get the quota can try to apply for loans.

What platforms are there for credit loans?

The ten formal online lending platforms recognized by the state mainly include: Youyouhua, JD.COM Jinminpi Slow Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Living Expenses, and Zhaolian Good Term Loan.

The following is a summary of Xiaobian's licensed financial background based on the platform.

1. Have money to spend: The credit production bridge module under Du Xiaoman Finance is a formal and reliable loan platform, in which Manyi Loan provides borrowers with a maximum loan amount of 2,, with a daily interest rate of .2%-.65%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.

2. Credit loan

Borrowing has been renamed as credit loan, and the safety index is relatively high. At present, as long as you can meet the sesame credit score above 6. The amount of loans that can be applied for ranges from 1, to 3, yuan.

if there is a demand, I recommend that you spend less than full, that is, the original Baidu Finance, which completed the split in 218 and realized independent operation. The company background is a financial information technology company established in Chongqing, with a registered capital of 3 million yuan, and it is officially licensed to operate. Its main business is money-spent credit services, with Baidu brand background and high technical support.

In addition, Du Xiaoman Company also has wealth management, wallet payment, insurance brokerage and other businesses, and accordingly obtained securities and futures licenses, payment business licenses and insurance intermediary licenses, which are complete and open, in line with national supervision.