According to the lending situation of e-loan, it is generally received within 24 hours after the approval is successful. If the user succeeds before 16:00 on the same day, it may be received on the same day, and if it is after 16:00, it may be received the next day. Therefore, if users want to arrive early, they should apply as early as possible, so that the corresponding approval and lending speed will be faster.

If there is a delay in the arrival of the account, it may be because there are a large number of users applying at present, so it takes a long time in the audit process; There are doubts about the application materials submitted by users. It takes too long for China Merchants Bank to verify the situation. You can ask the customer service of China Merchants Bank for specific reasons, and then follow the instructions of the other party.

After successfully applying for e-loan, you must use it in compliance and repay it on time. You must never fail to pay it back after the deadline, which has a great impact on the user's personal credit.

E-loan of China Merchants Bank is a short-term cash credit business with daily interest for eligible credit card holders.

After the application is successful, the money will be transferred to the valid one-card account opened by the cardholder in China Merchants Bank or the debit card of other banks supported by China Merchants Bank (the account opening certificate must be the same as the bank's credit card).

This money can not be used for investment, such as house purchase, stock and futures investment, but can only be used for consumption, such as decoration, home appliances, wedding, car purchase, student aid, tourism and medical care.

"e-loan" has an independent bill, and the date of the bill is the same as that of the personal credit card. The interest generated in each billing cycle will be summarized into the "Cyclic Interest" of the current bill. Repayment needs to be made to the "e-loan" account separately.

The timely repayment of e-loan of China Merchants Bank has increased the fixed amount, and its use characteristics are as follows:

Lightning loan: no materials, no mortgage, online application, the fastest 30 seconds to complete the application.

Exclusive limit: independent e-loan account, exclusive cash limit, up to 30W, separate bookkeeping and separate repayment.

The first evaluation will call the interface of China People's Bank (that is to say, the credit report will be checked). If successful, an account will be added, and the loan will be credited to a debit card at one time (supporting multiple banks).

Daily interest calculation: the daily interest rate is 0.05% (0.04% during the promotion period), and the e-loan can be paid off at any time without affecting the personal account.

Flexible repayment: only the minimum monthly repayment is required, and the minimum repayment is calculated according to 10% of the total debt on the billing date. Pocket Life Application Process: Log in to Pocket Life App and select Card. Pay "→e", and you can try to apply, and the system will give the audit results in real time.