Can I apply for a loan by credit card?
You can apply at the local bank.
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
How long can I apply for a credit loan with a credit card?
According to my years of experience in banking and using credit cards, I can handle two situations.
1. Generally, no bank handles cards by card, and the new card is generally higher than the original card.
The premise is that you have a credit card now, and the amount may not be high, but it doesn't matter. Remind you to keep a good repayment credit record, even if you keep the minimum repayment amount every month. When I was in college, I only paid the minimum repayment amount every month for quite a while, but the bank called me on its own initiative and increased the quota for me. Or use a credit card for more than half a year, or you can take the initiative to apply for an increase in the quota through customer service phone. In this way, your existing credit card limit will continue to increase, which is more convenient for you to apply for a high credit card in the future.
2. When applying for a credit card, submit relevant property certificates. Such as automobile production, real estate.
In fact, for high-value credit cards, I personally understand that the threshold for not having a bank is high or low, but different banks have different requirements for property certificates. It is not enough to provide them casually, depending on whether the bank accepts them.
For example, Minsheng Bank, where I worked, divided the high credit cards into diamond cards (starting from 200,000 yuan), luxury platinum cards (starting from 80,000 yuan) and standard platinum cards (starting from 40,000 yuan). But banks don't accept car ownership certificates. Even if you have a famous car, the only acceptance condition is: use a card to handle a card or a real estate.
There is no need to provide any additional proof of assets to apply for a card: the applicant is required to use the credit card for more than half a year, and the credit limit of the card is at least 40,000 (the original credit limit is more than 40,000, and the standard platinum card can be applied, the luxury platinum card can be applied for more than 80,000, and the diamond card can be applied for more than 65,438+0.5 million).
Real estate purchase: the standard platinum card requires the real estate value to be more than 800,000 yuan, the luxury platinum card requires 6.5438+0.6 million yuan, and the diamond card requires more than 3.2 million yuan.
According to my understanding of some colleagues around me, Guangfa and China Merchants Bank both accept certificates related to automobile production, so different banks have different application conditions. I suggest you consult the credit card handlers who set up stalls on the street and in shopping malls, or call the customer service of various banks.
How to get a credit card loan
If it is a credit card of China Merchants Bank, you can log in to the Pocket Life client and try to handle cash installment, e-loan, reserve fund, etc. Please refer to the audit results for the specific amount and expenses.
Can ICBC apply for a credit card loan?
Sure,
Credit card application conditions
China people, foreigners and compatriots from Hong Kong, Macao and Taiwan who must be at least 18 years old, have full capacity for civil conduct, have a legal and stable source of income and have a good credit standing can apply for a bank credit card with their valid identity documents.
The materials to be provided are as follows:
1. Identity information: copy of resident ID card or military officer's card; Hong Kong and Macao compatriots provide copies of their mainland travel permits and residence certificates for more than one year; Foreigners can provide copies of passports and residence permits for more than one year.
2. Proof of work income: proof of salary and a copy of social security (paid for more than half a year).
3. Auxiliary materials for applying for a credit card: education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, original proof of telephone, water, electricity and gas charges in the last three months of the current residence, etc.
Can I get a credit card?
Applying for a credit card has nothing to do with having a loan!
Card requirements: 1, at least 18 years old; 2. Hold a valid ID card; 3. No bad credit record; 4. There is a work certificate and income certificate stamped with the financial chapter of the unit; 5. Other financial certificates, such as real estate, automobiles, stocks and bonds. 6. Social security certificate; The first four are the most basic conditions. If you can provide 5~6 supporting materials, it will improve the success rate of application and credit limit.
Can I apply for a loan by credit card?
1. Credit card (debit card) has two functions: one is consumption overdraft and the other is cash overdraft.
Second, within the repayment period stipulated by the bank, consumers do not charge fees for overdraft repayment; However, cash withdrawal and overdraft are subject to a handling fee of about 3% and interest of five ten thousandths per day!
Three, credit card cash withdrawal can be handled at the bank counter or ATM machine, but according to the basic regulations of the People's Bank of China, the maximum daily withdrawal limit of credit card is 5, which shall not exceed 2000 yuan.
Fourth, if you have multiple credit cards from the same bank, the credit limits of these credit cards are all used for * * *, and the cash withdrawal must also be within the limits set by the bank; If you have credit cards from several banks at the same time, the total withdrawal amount of all credit cards will be very high.
Fifth, the interest on overdraft withdrawal is 0.5 ‰ of the daily interest rate. If there is no cash in the card, that is, it is all overdrawn, then a withdrawal fee of 0.5 ‰ of daily interest will be charged.
How to get a loan with a credit card?
Loan to buy a house or do business? If you buy a house with a loan, you must have proof of your work unit and income, so that the bank will give you a loan if you have the ability to repay the loan. If you have a house, you can mortgage it to the bank, and the bank will give you an evaluation and give you a loan of 70%. When you get a credit card, you must pay attention to timely repayment, which will affect your reputation. If you have a bad reputation, you can't get a loan.
How to apply by credit card
If you use China Merchants Bank credit card, you can try to apply for a consumer reserve fund. That is, recruiting eligible cardholders to provide consumer credit services for installment repayment. After the application is successful, the money will be transferred to the cardholder's personal credit card account, giving priority to offset the RMB arrears under the personal consumption account of credit cards (except platinum installment cards and business cards). Unused consumer reserve funds will offset new transactions, but they cannot be withdrawn through overpayment.
How to use China Merchants Credit Card Loan?
Hello, if you need to handle our credit card business, do you mean to do cash advance business? The following is about the business of cash advance, please know:
Our personal credit card has the function of borrowing cash in advance. You can withdraw cash from your credit card through the ATM and bank counter of our bank or other banks (the same as using debit cards), or you can transfer the money from your credit card to the savings card of China Merchants Bank in your own name through online banking and telephone voice (the cash withdrawal function of business credit cards is consistent with the company's settings). Tips: There will be a certain handling fee and limit for cash advance, and interest-free repayment will not be enjoyed. From the date of cash withdrawal to the date of settlement, interest will be charged at the rate of 0.5 ‰ per day, and compound interest will be calculated monthly.
Cash in advance:
Cash advance, also known as cash withdrawal, is a credit card function that provides cardholders with small cash loans. Our credit card supports cash advance through ATM, bank counter, online banking and telephone.
Limit: Generally, the advance cash limit is 50% of the credit limit (except for cards with special provisions). At the same time, the maximum daily withdrawal amount of each card in China is RMB 2,000; The daily cumulative cash advance of each overseas non-UnionPay line shall not exceed the equivalent of 1 ,000 USD, the cumulative cash advance of 1 month shall not exceed the equivalent of 5,000 USD, and the cumulative cash advance of 6 months shall not exceed the equivalent of 1 ,000 USD.
Handling fee, interest and limit: handling fee: the domestic handling fee for RMB cash withdrawal is 65,438+0% of each cash withdrawal amount, and the minimum charge is 65,438+00 RMB; The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, and the minimum charge is USD 3 or 30 yuan RMB (USD 5 or 30 yuan RMB for American Express Card-Centurion Black Gold Card and American Express Card-Centurion Platinum Card). There is no inter-bank handling fee for cash advance.
Interest: Cash advance does not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at a daily rate of 0.5 ‰, with compound interest on a monthly basis.
If you have any questions about other CMB credit cards, please search for "4008205555" among QQ corporate friends and add "CMB Credit Card Center" as your friend; Or search for "cmb4008205555" on WeChat, and pay attention to "China Merchants Bank Credit Card Center" for consultation. Thank you for your attention and support to China Merchants Bank!
How to apply for a credit card loan?
1, telephone application. Credit card loan is actually an overdraft of credit card cash consumption. Apply to the bank, and after approval, the bank can put the funds into the debit card given by the cardholder for use. Call the relevant bank customer service and tell the bank customer service that they need a credit card to apply for a loan. 2. Go to the bank. You need to provide credit card information, such as name, credit card loan purpose, etc. Wait for the bank to review your information. Whether the information provided is accurate or not needs to be confirmed by yourself. Article 8 Civil subjects engaged in civil activities shall not violate laws or public order and good customs.
How to apply for a credit card loan
How to apply for a credit card loan
How to apply for a credit card loan? In fact, credit card loan is the overdraft of cash consumption of credit card. Apply to the bank, and after approval, the bank can put the funds into the debit card given by the cardholder for use. How to apply for a credit card loan?
How to apply for a credit card loan 1
First, the advantages of credit card loans
How to get a credit card loan? What is the process? It is also very important to understand the advantages of credit card loans for such problems. Credit card loan approval is very fast. According to the different regulations of different banks, it can be successfully handled within one or two working days. Moreover, the procedure is very simple. You can apply for and handle loans by telephone or online, which greatly facilitates people's handling process and effectively meets people's loan needs.
Second, the credit card loan processing process
1. Apply to the bank
In order to effectively carry out credit card loans, the most direct way is to apply to the bank effectively. However, due to the regulations of the bank, the application should be called cash installment application, not credit card loan.
Step 2 provide effective information
When applying to the bank, the customer service staff will ask the user some questions.
(1), that is, the credit card, the user name and the three digits behind the credit card, that is, the CVV code.
(2), is to understand what is the purpose of users to apply for cash installment.
(3) Confirm the number of cash installments, and the customer service will give the user a detailed introduction, including the handling fee rate, which should also be understood under the explanation of the customer service staff, and then the user will choose the appropriate installment number for repayment according to the actual situation.
3, banks need to do "audit"
After the user applies for cash installment, the bank will effectively review the user's application, including reviewing the user's personal data, such as whether it is handled by himself, whether the personal data is accurate, etc., and also reviewing the user's loan amount, which is closely related to the user's usual credit history and repayment situation.
How to apply for a credit card loan II
1. What are the conditions for a credit card loan?
1, the general bank will stipulate that you must work in your current unit for 3 months;
2. Individuals have no bad credit records and can only apply if their monthly income conditions reach a certain standard;
3. If you have used a credit card, you can go directly to the bank counter, but the amount will not be very high;
4. The borrower is in good debt condition and has repayment ability;
5. There is a certain income, and the income is stable, forming a stable bank flow.
2. What does credit card loan mean?
Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
According to the credit status of credit card holders, banks will increase the installment quota of their credit cards to meet the needs of cardholders to buy designated brand cars during the disposal period of designated dealers. Cardholders can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
How to apply for a credit card loan?
1, telephone application. Credit card loan is actually an overdraft of credit card cash consumption. Apply to the bank, and after approval, the bank can put the funds into the debit card given by the cardholder for use. Call the relevant bank customer service and tell the bank customer service that they need a credit card to apply for a loan.
2. Go to the bank. You need to provide credit card information, such as name, credit card loan purpose, etc. Wait for the bank to review your information. Whether the information provided is accurate or not needs to be confirmed by yourself.
How to apply for a credit card loan
1, automatic deduction by binding savings card.
At present, many credit card issuing banks provide automatic repayment service, that is to say, if you have a savings card of this bank, as long as automatic deduction is set, the bank will automatically deduct the credit card when it is about to expire. But this premise is that there must be money in the savings card. If the money in the card is too small to be deducted, it will be very troublesome if it is overdue.
2. Repayment by online banking transfer
You can log on to the personal online banking or credit card website, and you can not only repay your own credit card, but also repay others with a click of the mouse. In addition, personal online banking also supports inter-bank repayment. This method needs to be operated on a relatively private computer. You need to know the website address every time you log in, and don't set a simple password. If the password is leaked, there is a risk that the account will be stolen.
3. Mobile banking repayment
Mobile banking repayment is the most used credit card repayment method for young partners at present. As long as you install the bank client on your mobile phone, you can easily repay with your fingers anytime and anywhere. Because credit card repayment belongs to fund transfer business, for the sake of fund security, it is necessary to open advanced mobile banking.
It should be noted that the mobile phone can be operated in various occasions, so we must pay attention to the protection of passwords and the custody of the mobile phone. Once the mobile phone is lost, it must be reported to the mobile operator immediately and the mobile banking service must be cancelled.
4, Alipay repayment
Alipay payment is familiar to people who love online shopping. Many people have become accustomed to this convenient payment method, and Alipay repayment is also listed as the first choice for credit card repayment. In addition, Alipay promises to repay the account within 2 hours, but it must meet three conditions: first, the repayment by mobile phone, second, the repayment amount is within 50,000 yuan, and third, the repayment time is within the banking service hours.
5. WeChat repayment
At present, there are two repayment methods for WeChat credit card, namely, switching to online banking or mobile banking for credit card repayment or talking to WeChat through the official bank account. It should be noted that WeChat can only repay the credit card directly through the bound savings card. In addition, there is no handling fee for using WeChat for repayment, with a single and daily limit of 20,000 yuan and a monthly limit of 50,000 yuan.
6. Credit card management APP online repayment
The advantage of using Kaniu credit card to manage online repayment of APP is that a mobile phone software can query the basic information of personal account, such as bill date, repayment due date, total amount payable in this period, minimum repayment amount and so on. -Repayment reminder-Support online repayment, which can be completed in just a few steps. You don't need to jump back and forth in the mobile phone interface to check the credit card arrears, and you need to remember carefully every time the bill has a decimal point, and then go to another software or platform to choose repayment.
7. Counter or ATM repayment
At present, this repayment method is rarely used, and it is generally used by elderly or conservative people. It should be noted that when an ATM machine uses another bank's debit card to transfer money to a credit card for repayment, the transfer amount is an integer multiple of 100, and the single transaction limit is the same as that of the existing transfer bank UnionPay ATM, with the maximum daily limit not exceeding 20,000 yuan, and the handling fee is deducted from the transfer card.
8, convenience store Lacarra repayment.
Lacarra repayment is a convenient credit card repayment service. At present, the number of convenient payment points in Lacarra has grown to nearly 90 cities, with more than 30,000. They can be found in convenience stores, supermarkets and community stores. There is a uniform charging standard for credit card repayment of Lakashou.com: at present, only China Bank (except Shenzhen), Agricultural Bank, Bank of Communications, Industrial and Commercial Bank of China, Bank of Beijing and China Construction Bank (the bank charges 2 yuan for credit card repayment free of charge), and other banks do not charge for the time being.
Installment repayment is more favorable
If the funds can't be turned over for a while, you can also consider repaying the arrears by installment. Although installment repayment does not generate interest, it has to pay a handling fee. The handling fee here is actually the "interest" charged by the bank in disguise.
At present, most banks provide cash installment business in three phases, six phases, 12 and 24 phases, and some banks also provide installments as short as 1 month and as long as 36 phases. As for the handling fee rate, the situation of each bank is different, but the overall difference is not big. Take 12 (i.e. 1 year) as an example, which is basically between 7.8% and 9% annualized. Take China Merchants Bank [-0.56% capital research report] as an example. Cardholders can apply for bill installment. The third installment fee is 2.6%, the sixth installment fee is 4.2%, and the 12 installment fee is 7.2%. The first repayment is charged in one lump sum.
So much for the introduction on how to apply for a credit card loan.