As far as I know, many people have credit cards now, and some people have more than one. Then, if there is a loan demand, can I apply for a loan with a credit card?
Do you have a credit card to apply for a loan?
At present, the application for credit card loan business is not very strict. As long as you have good credit and no bad repayment record, you can generally apply. All major banks have credit card loans, such as China Bank, China CITIC Bank, Bank of Communications, Ping An Bank, Industrial Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Huaxia Bank and China Merchants Bank.
It should be noted that most banks only handle credit card loans for civil servants, government employees, employees of state-owned enterprises and employees of Fortune 500 companies, such as "Yidajin" of Huaxia Bank and "Jubao Card" of Jiangsu Bank. Of course, there are also ordinary enterprises that can handle it, such as the "easy-to-buy loan card" of Nanjing Bank.
Credit card "loan" is actually what we call "cash installment", so what is "cash installment"? Cash installment, sometimes called cash withdrawal installment, is generally a installment method in which the cardholder applies or the issuing bank invites the cardholder to apply to convert the credit limit in the cardholder's credit card into cash, transfer it to the designated debit card and return it within a specified number of months.
To put it bluntly, the bank will convert the amount of your credit card into cash according to the amount you apply for, and then you can repay it in installments.
How to apply for a large credit card loan?
The first step is quota approval:
In addition to the usual credit card application materials, the applicant should also provide detailed proof of salary flow and other strict materials.
The second step is the loan review:
This kind of loan is generally a personal consumption loan. The customer provides the bank with proof materials that can prove that there is consumption and it needs to be greater than the withdrawal amount. After the approval, the bank will transfer the money to the customer's credit card, and the customer can withdraw it freely.
Do you have a credit card for a loan?
Credit cards can be loaned without bad credit information such as overdue credit cards.
According to Article 11 of the Interim Measures for the Administration of Personal Loans, applying for personal loans shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
Extended data:
Interim Measures for the Administration of Personal Loans Article 23 A lender shall sign a written loan contract with the borrower, and if a guarantee is needed, a guarantee contract shall be signed at the same time. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels.
Article 24 A loan contract shall conform to the provisions of the Contract Law of People's Republic of China (PRC), and clearly stipulate the commitment of good faith, the purpose of loan funds, the object (scope) of payment, the amount of payment, the terms and methods of payment of all parties. The loan contract should be set with relevant clauses to clarify the liabilities for breach of contract that the borrower should bear when it fails to perform or slowly performs the contract.