Q: Can I borrow a car loan with the Bank of Communications credit card?
A: Yes, the "e-car loan" of Bank of Communications is a way for consumers to spend their cars. Anyone with full civil liability can apply for a car loan as long as he has no bad credit record.
Bank of Communications credit card auto loan related processes are as follows:
(1) individual housing loan application form;
(2) Identification certificates of the borrower and spouse (resident ID card, passport, household registration book, etc.). ) and marriage certificate;
(3) Contracts or agreements for the purchase and sale of vehicles;
(4) the first payment voucher for the vehicle;
(5) Proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). );
(6) The ownership certificate of the loan mortgage guarantee, and the certificate that the person with the right of disposition agrees to mortgage;
(7) Other supporting documents or materials required by the lender.
How to handle the credit card of Bank of Communications? Understand the application conditions and channels!
Near the National Day, Bank of Communications released the high cash installment business of credit card and cash loan. It is said that this activity can only appear before the National Day every year, and the maximum loan amount is 300,000, and it will be repaid in installments. So, how to apply for such a good cash loan? What are the requirements? Let's have a look.
1. Conditions for applying for credit card loans of Bank of Communications.
1. Good cash installment can only be applied by the principal cardholder, so you must have a Bank of Communications credit card to apply for cash loan:
2. To apply for cash installment of the current loan, you must obtain the current loan amount before you can handle it:
1) Customers who don't hold credit cards: The bank will examine and approve their applications. If the application is successful, a good current loan amount will be obtained, and the Bank of Communications credit card will be issued after the application is successful;
2) Customers with credit cards: The bank will regularly screen qualified customers according to the risk policy and grant the current loan amount.
2. How to handle the credit card loan of Bank of Communications?
Customers who have obtained a good loan amount can log in to self-service channels such as payment bar APP, mobile banking and online banking. Here are some common opening methods:
1. Opening of mobile banking: open the mobile banking login of Bank of Communications, and then click Credit Card-Cash Installment-Good Cash Loan, and follow the prompts;
2. Online banking: log in to Bank of Communications online banking, credit card-I want a loan-I want cash-I want a loan now, and follow the prompts.
3. Opening of WeChat: WeChat pays attention to "Bank of Communications Credit Card | Pay the bill", click "Open Card | Loan-installment/loan" on the bottom menu of WeChat official account, and enter "Good Cash Loan | Bank of Communications Credit Card"-Special Zone-Good Cash Loan, and open it according to the prompts.
The above is "How to handle the cash loan of Bank of Communications credit card? Understand the application conditions and channels! " Related introduction. Ok, after the current loan is successfully processed, the money will be transferred to your designated debit card, and you can withdraw or spend it directly with your credit card. However, after the application is successful, the credit card must be repaid every month, otherwise it will affect the credit beyond the time limit.
How about a credit card loan from Bank of Communications? The characteristic advantages of angel loan are too obvious!
The credit card business of banks is generally one of the main businesses. Now all major banks provide loan services for their credit card users. For example, Bank of Communications provides angel loans to young customers, and the installment fee is lower than that of credit cards. Then, what about the credit card loan of Bank of Communications and the angel loan? What are the characteristics and advantages? Let me introduce you.
1, ultra-low rate
The monthly interest rate of angel loan is the annual real interest rate, and the installment principal and installment fee are charged monthly. The monthly installment fee of loan 10000 yuan is the lowest in 35 yuan. But the prepaid fee is charged, so there is no need to pay in advance.
2. Credit card integration
Users without Bank of Communications credit cards can also apply for angel loans. If the application is successful, the Bank of Communications credit card will be issued and the angel loan line will be obtained, killing two birds with one stone.
3, a wide range of uses.
In addition to real estate transactions, angel loans can be used for consumption (decoration, home appliances, etc. ) Above 500 yuan. In addition, other projects designated by the Bank of Communications according to the regulations of the regulatory authorities and risk policies cannot be used. Please contact customer service for details.
4, convenient and fast
Angel loan adopts online self-service application, and it can be approved as soon as the same day, with a maximum amount of 300,000. After the application is successful, you only need to activate the angel loan to use it. Download and use the "Pay the bill" app to check the repayment account. 7×24 hours online service saves money, time and effort.
5. Flexible repayment
The monthly arrears are included in the credit card bill. The credit card is returned, and the angel loan will be returned immediately. It doesn't matter if you don't send it for a while You can enjoy a maximum of 6 months of deferred repayment, which can relieve the loan pressure to the greatest extent.
What's the name of traffic credit card loan? There are two special ones!
All major banks attach great importance to the combination of credit card business and loan business, and design loan products for their credit card users. Bank of Communications is not behind, and has designed many loan products for its credit card users. So, what's the name of the transportation credit card loan? Today, I will introduce the main loan products of traffic credit card to you.
There are seven kinds of transportation credit card loan products, namely angel loan, enjoy loan, share with you, advance cash, cash installment, revolving credit and merchant installment.
Details of these seven loan products are as follows:
Dai angel
Angel loan is a loan product specially designed by Bank of Communications for young customers aged 24-35, with college education or above and stable jobs. The loan amount of Angel Loan can reach 300,000 yuan, and the monthly installment fee of 1 10,000 yuan can be as low as 35 yuan.
Haoxiangdai
Easy access loan is also one of the transportation credit card loan products. The loan period can be as long as 24 months, and the loan amount is not affected by the credit card credit line.
Divide it if you want.
Divide if you want, which is a loan mode of credit card bill installment repayment. It supports 3-24 installments without the borrower's approval.
Cash advances
Cash advance is a loan model, which supports you to withdraw cash directly by credit card. ATM and counter can withdraw cash and transfer money.
Cash installment payment
Cash installment is a kind of loan product, which is somewhat similar to cash advance. Cash withdrawal and transfer can be done online, and funds can be received in real time.
revolving loan
Revolving credit is a loan model in which everyone only needs to repay the minimum repayment amount after receiving the credit card bill, and the daily interest rate is 0.05%.
Merchant installment payment
Merchant staging is a loan product jointly established by flow credit card and cooperative merchants, and offline shopping can be staged.
How to borrow a credit card loan from Bank of Communications? All the useful methods are here!
How to borrow a credit card loan from CITIC? Everyone knows this!
Can I get a credit card loan? _ What is the loan amount?
Credit card loan means that the bank gives credit card installment quota according to the credit status of the credit card holder, without occupying the credit card's own quota, and the cardholder can repay the loan in installments after swiping the card. Common credit card loans include Shanghai Pudong Development Bank Universal Fund, Guangfa Bank Financial Fund, Bank of Communications Enjoy Loan, China CITIC Bank New Express, and Dream Scholarship.
Pufa general fund
Pufa Universal Fund is an installment loan that exceeds the credit line and does not occupy the credit line of the credit card itself. As long as you have both a credit card and a debit card of Shanghai Pudong Development Bank, you can open this business in a short time. The loan amount varies from 1 1,000 yuan to 300,000 yuan according to the qualification of each cardholder. At the same time, the loan amount can only be used for consumption, including but not limited to decoration, wedding, car purchase, home appliances, tourism, medical care and so on. Can not be used for investment, including stocks, futures, housing and other equity investments.
Guangfa caizhijin
Financial wisdom fund is a kind of cash credit service provided by Guangfa Bank for high-quality cardholders, which is divided into two products: ordinary financial wisdom fund and exclusive financial wisdom fund. Ordinary financial wisdom fund is suitable for users with small capital needs, and the loan period is 3-24 months. The exclusive wealth management fund is suitable for users with large capital needs, and the loan period is 6-36 months. Financial intelligence can only be used for consumer purposes, not for non-consumer areas such as production and operation, investment, debt repayment and lending.
Bank of communications enjoys a loan.
Good loan is a credit installment payment business launched by Bank of Communications. In addition to the original credit line of the card, a separate credit line for non-circulation is added, and the maximum credit line can reach 6.5438+0.5 million yuan. At present, in Bank of Communications, except for official cards, quasi-credit cards, installment cards, BOSS cards, and global cards, other major credit cards can apply for good loans, and the good loan transaction charges 0.72% of the full recorded principal as a handling fee every month.
Cash treasure and Dream Banknotes Newly Launched by CITIC Bank
The new fast loan is a cash installment service within the credit line provided by CITIC Bank to customers. After processing, the money can be transferred to your debit card and repaid monthly according to the prescribed principal and interest.
Yuanmengjin is a credit line provided by CITIC Bank for high-quality cardholders' large consumption. It is an additional exclusive consumption installment quota granted on the basis of the credit evaluation of the cardholder and the permanent credit limit of the original credit card.