How to transfer the money from China Construction Bank Quick Loan to the card
The funds in the special account of China Construction Bank Quick Loan cannot actually be transferred to the bank card under the customer's personal name, because the money is only for Quick Loan The transfer of account funds only supports transfers to other people's accounts in other banks, and does not support transfers to my own bank account. Of course, customers can try to transfer it to others first, and then let the other party transfer it to their own card.
If customers want to use Quick Loan funds, they can actually withdraw them directly from the Kuai Loan special account, or make purchases with a credit card (note that they cannot be used for home purchase, investment, loan repayment or credit card related transactions) .
1. How to use the money from the CCB Quick Loan special account
To use the money from the CCB Quick Loan special account, customers only need to select the payment option on the loan page of the CCB mobile banking client , the operation is to transfer the funds deposited in the consumer loan to the savings card in your name for use. Of course, you can also pay by credit card directly. When shopping on some PC-side e-commerce, you can also use the loan account in online banking payment to pay for the order, and you can pay through some channels that support Dragon Payment.
Everyone needs to note that the loan funds of Quick Loan can only be used for living consumption expenses and cannot be used for investing in stocks and other securities, purchasing houses, futures trading, repaying other debts (except for my own Quick Loan), etc. .
2. Will CCB Quick Loan be used to withdraw cash?
After CCB Quick Loan is used to withdraw cash, CCB will no longer monitor it since the amount has been withdrawn as cash. If the user directly transfers money to the bank card and consumes it through the bank card, CCB can monitor it based on the card swiping record. The loan funds of CCB Quick Loan have stipulated purposes. If the user fails to use them in accordance with the regulations, CCB has the right to require the user to repay all the loans at once.
In addition, some CCB Quick Loan products do not support cash withdrawal, so users will be monitored by CCB during the entire use process.
3. What are the repayment methods of CCB Quick Loan and how to repay?
There are two main repayment methods of CCB Quick Loan, one is monthly repayment and the other is monthly repayment. It can be borrowed and returned at any time.
Monthly repayment
1. The system automatically deducts the payment: Before the repayment date, the customer needs to deposit sufficient repayment amount into the bank card associated with Quick Loan. The system will automatically deduct the payment from 6:00 to 17:00 on the repayment day.
2. Customers take the initiative to repay: The customer logs into CCB Mobile Banking, finds the quick loan repayment option, and looks for the loan bill that should be repaid in this period. In the repayment amount, enter the amount that should be paid in the current period's bill. After confirming the repayment amount, the repayment operation can be completed.
Borrow and repay anytime
Customers actively repay: Customers log in to CCB Mobile Banking and find Quick Loan to enter the loan settlement page. After entering the repayment amount, the user will receive a mobile phone verification code, and after passing the verification, the user can actively make repayment. How to transfer the money from CCB Quick Loan to your own card
The funds in the CCB Quick Loan special account cannot actually be transferred to the bank card under the customer's personal name, because the transfer of funds from the Quick Loan special account can only be transferred to Transfers from other bank accounts to other people's accounts are not supported. Transfers to my own bank account are not supported. Of course, customers can try to transfer it to others first, and then let the other party transfer it to their own card.
If customers want to use Quick Loan funds, they can actually withdraw them directly from the Quick Loan special account, or make purchases with a credit card (note that they cannot be used for home purchase, investment, loan repayment or credit card related transactions) .
1. Company Profile
China Construction Bank Co., Ltd. is a leading large-scale commercial bank in China, headquartered in Beijing. Its predecessor, China Construction Bank, was established in October 1954. The bank was listed on the Hong Kong Stock Exchange in October 2005 (stock code 939) and on the Shanghai Stock Exchange in September 2007 (stock code 601939). The bank's market value at the end of 2019 was approximately US$217.686 billion, ranking fifth among listed banks in the world. The group ranks second among global banks in terms of Tier 1 capital.
As of 2020, the bank provides customers with comprehensive financial services such as personal banking, corporate banking, investment and financial management, and has 14,912 branches and 347,156 employees, serving hundreds of millions of individual and corporate customers. . It has subsidiaries in many industries such as funds, leasing, trusts, insurance, futures, pensions, and investment banks. Its overseas institutions cover 30 countries and regions, and it has more than 200 overseas institutions at all levels.
2. The main business of the enterprise
China Construction Bank provides credit loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans, etc. business.
1. Personal housing loan business
Personal housing loan business means that China Construction Bank or China Construction Bank is entrusted to provide natural persons who purchase, build, and overhaul various types of houses in cities and towns in mainland China. of loans. China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loan housing loans, that is, second-hand housing loans, personal commercial housing loans, personal housing mortgage loans, etc.) , provident fund personal housing loans and personal housing portfolio loans.
2. Credit card business
As one of the earliest state-owned banks in China to issue credit cards, China Construction Bank already has many credit card types. The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master Cup) Tennis Card.
3. Silver Star International Money Transfer
CCB Silver Star International Money Transfer Business is a personal international money transfer business jointly launched by China Construction Bank and Silver Star International Money Transfer Company. Upon entrustment by customers, CCB provides small-amount international remittance business through Silver Star Express Company to pay personal overseas foreign exchange remittances or remit personal foreign exchange funds overseas. How to transfer money from CCB's special quick loan account to a bank card
The funds in the special account of CCB's quick loan cannot actually be transferred to the bank card under the customer's personal name, because the transfer of funds from the special quick loan account is only Transfers to other people's bank accounts are supported, but transfers to my own bank account are not supported. Of course, customers can try to transfer it to others first, and then let the other party transfer it to their own card. If customers want to use Quick Loan funds, they can actually withdraw them directly from the Quick Loan special account, or make purchases with a credit card (note that they cannot be used for home purchase, investment, loan repayment or credit card related transactions).
China Construction Bank, a deputy ministerial-level unit, is a large state-owned bank managed by the central government. It was established on October 1, 1954. Its head office is located at No. 25 Financial Street, Beijing. China Construction Bank's main business areas include corporate banking, personal banking and treasury services. It has branches and subsidiaries in more than 20 countries and regions, and has subsidiaries in funds, leasing, trusts, life, property insurance and other industries. company. On February 9, 2022, Forbes released the 2022 Global Blockchain Top 50 list, and China Construction Bank was on the list.
China Construction Bank Co., Ltd. is a leading large-scale commercial bank in China, headquartered in Beijing. Its predecessor, China Construction Bank, was established in October 1954. The bank was listed on the Hong Kong Stock Exchange in October 2005 (stock code 939) and on the Shanghai Stock Exchange in September 2007 (stock code 601939). The bank's market value at the end of 2019 was approximately US$217.686 billion, ranking fifth among listed banks in the world. The group ranks second among global banks in terms of Tier 1 capital.
As of 2020, the bank provides customers with comprehensive financial services such as personal banking, corporate banking, investment and financial management, has 14,912 branches, 347,156 employees, and serves hundreds of millions of people. Individual and corporate clients. It has subsidiaries in many industries such as funds, leasing, trusts, insurance, futures, pensions, and investment banks. Its overseas institutions cover 30 countries and regions, and it has more than 200 overseas institutions at all levels. How to withdraw the CCB Quick Loan to the savings card
After applying for the CCB Quick Loan, it will be first disbursed to the special Quick Loan account. At this time, you can make payments or directly withdraw the money to the savings card for use. Specific steps: Log in to the CCB mobile banking app, click "Quick Loan" and find "Quick Loan Special Account Fund Transfer". After the user's money is transferred to the savings card, it can be withdrawn through the ATM.
Take the China Construction Bank app as an example. The specific cash withdrawal method is as follows:
1. First open the China Construction Bank Mobile Banking APP on your mobile phone and find Quick Loan on the homepage.
2. Click Quick Loan to enter the Quick Loan interface and select Spend.
3. Click Draw to enter the draw loan interface, and select the quick loan special account to transfer funds.
4. Click on Quick Loan special account to transfer funds to enter the Quick Loan special account transfer interface. Enter the beneficiary account name, beneficiary account number, beneficiary bank, transfer amount and other information as required.
5. It should be noted that quick loan funds can only be transferred to accounts other than your own in other banks.
CCB Quick Loans include Kuai e-Loans, Rong e-Loans, Pledge Loans, Car e-Loans, and Wo e-Loans. They are mainly targeted at CCB individual customers with good credit, as long as they handle business with CCB (such as saving money, purchasing Financial management, treasury bonds, funds, etc., loans, salary payment, etc.), you may be able to obtain a quota, and the more business you handle, the higher the quota will be.
Different loan types provide different loan amounts. The credit limit of Kuai e-dai is 1,000 yuan to 300,000 yuan, with a maximum of 1 year, and can be used repeatedly; the credit limit of Rong e-dai is 50,000 yuan-500. Ten thousand yuan, with a maximum of 5 years, and can be used on a recurring basis; the credit limit of a pledge loan is 1,000 yuan to 3 million yuan, with a maximum of 1 year, and can be used on a recurring basis; the credit limit of a car e-loan is 1,000 yuan - 500,000 yuan, with a maximum of 3 years; Wo The e-loan credit limit ranges from 1,000 yuan to 500,000 yuan, with a maximum of 2 months.
Version information: Take China Construction Bank version 5.7.2, Apple 13 (IOS15.4.1 system), and Huawei mate40 (HarmonyOS2 system) as examples.