Credit card is a very common way to collect consumption in our daily life. Because it is under the control of banks, it is more reliable than other lending platforms on the market. Everyone knows that credit cards can also handle loans. In addition, there is no loan interest rate for credit card loans, only a handling fee. So how to apply for a credit card loan, and what are the ways of credit card loan? Let's study it together.

First, how to apply for a credit card loan?

Credit card loan conditions: First, you must hold a credit card of the lending bank with a good credit card record. The loan amount cannot be used for gambling and investment, and can only be used for personal consumption.

Credit card loan process: call the bank customer service number-provide credit card information-bank audit.

Second, the credit card loan method

Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit, and banks only charge fees. The fee rates are different at different stages.

1, credit card loan to buy a car, the loan amount is between 200,000 and 200,000, and the loan period generally does not exceed 3 years. No interest is charged after the application, only the installment fee is charged.

2. Shopping in the credit card mall is in stages. Users can pay by credit card when shopping online, or they can pay in e-commerce companies such as JD.COM and Taobao. When the amount is large, they can choose to repay by installments, including 3 installments, 6 installments, 12 installments or 24 installments, and repay the principal and interest every month.

How to apply for a loan by credit card, I believe everyone is very clear. Generally speaking, credit card loans are more creditworthy, because with the strong support of banks, there will generally be no problems in the process of lending. But everyone should pay close attention to their repayment time, and timely repayment is the most correct choice.

How to use a credit card loan?

How to use a credit card loan?

Credit card loan is a credit card installment business launched by banks, so how to use credit card loan? What is the specific process of credit card loan?

First of all, you should apply for a credit card from the bank and submit relevant supporting materials, such as identity certificate, income certificate, work certificate, etc. , and your personal credit is good;

Second, wait for bank approval;

Third, after approval, you can get a card with a certain credit limit granted by the bank.

After the applicant activates the card, he can swipe his card to buy the required goods. However, after the credit card is overdrawn, the cardholder must repay in full and on time to avoid leaving a bad credit record.

How to get a credit card loan?

Credit card loans generally belong to credit card installment business. The loan amount is generally 200,000-200,000, which can be repaid in installments, including 65,438+02 months, 24 months and 36 months. Generally speaking, there is no loan interest rate for credit loans. However, the bank will charge a handling fee, and the handling fee rate is different at different stages. At present, the six banks that support credit card loans include Industrial Bank, Guangfa Bank, Ping An Bank, China CITIC Bank, Shanghai Pudong Development Bank and Huaxia Bank. Credit card processing requirements: first, you should apply for a credit card from the bank and submit relevant supporting materials, such as identity certificate, income certificate, work certificate, etc. , and your personal credit is good; Second, wait for bank approval; Third, after approval, you can get a card with a certain credit limit granted by the bank. Applicants need to activate their credit cards after they get them, and then they can swipe their cards to buy things. However, it needs special reminder that after the credit card is overdrawn, the cardholder must repay the loan on time, leaving a bad credit record, which makes it difficult to refinance.

There is a credit card limit, but there is no loan limit. Excuse me, how to use a credit card loan!

The credit card itself has a limit. If the quota can't meet personal needs, you can apply for a temporary quota, and you can apply for installment repayment after consumption.

Credit card is only a kind of card paid by banks according to personal credit, and it cannot be used as the basis for loans.

How much credit card loan can I borrow and how to handle it?

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. Period is one of the credit services of bank credit card consumption, that is, credit card holders can choose to divide the total price of purchased goods or services into three, six, 12 or 24 installments.

Can I borrow money by credit card?

Paying back the loan by credit card is actually withdrawing cash by credit card, which is a legal vacancy. You need to bear higher interest on the loan, so it is not worth the loss. Moreover, once the repayment cannot be made in time, according to the law, it is suspected of malicious overdraft and violates the law.

Credit card is a special carrier card issued by banks to individuals and units, which is used for shopping, consumption and cash deposit and withdrawal from banks, and has consumer credit. Generally speaking, credit card is a micro-credit payment tool provided by banks to users. However, this kind of consumption can only be used in activities such as shopping in shopping malls, and credit cards can be used to buy cars and houses, but there are no points. So the so-called repayment by credit card is actually to withdraw money from the credit card to repay the loan. Once the credit card uses the withdrawal service, it is the beginning of the "trap" of the cardholder's interests: banks charge 0.5%- 1% for domestic withdrawals. In addition to the handling fee, the cardholder has to pay interest, which is calculated according to the daily interest rate of 5% and the annual interest rate of 18%. It is equivalent to borrowing another loan in addition to the mortgage.

Therefore, not only the interest-free repayment period, but also the handling fee and interest. The handling fee is quite high, and the interest is compounded daily, but it is not worth the loss.

How to repay the mortgage with a credit card?

If China Merchants Bank has a credit card, it can borrow cash in advance.

The cash advance limit is set according to your card usage and is included in the credit limit of the credit card. Generally, the withdrawal amount does not exceed 50% of your credit limit (the youth card can be advanced 100%). For details, please call the credit card 24-hour customer service hotline. In addition, according to the relevant regulations of the People's Bank of China, the daily withdrawal amount of each card in China does not exceed 2,000 yuan (5,000 yuan per card per day for Pocket Life/Online Banking); The daily cash advance of each overseas family shall not exceed the equivalent amount of US$ 65,438+0,000, US$ 5,000 within 65,438+0 months and US$ 65,438+0,000 within 6 months. Borrowing cash in advance will generate corresponding handling fees and interest. Handling fee: The handling fee is calculated according to the domestic RMB cash advance 1%, with the minimum cash advance fee of 10 yuan, and the overseas (including Hong Kong, Macao and Taiwan) cash advance fee of 3%, with the minimum cash advance fee of RMB or USD 3 in 30 yuan (American Express Card-Centurion Black Gold Card, American Express Card-100 yuan). Interest: advance cash transactions do not enjoy interest-free repayment. From the trading day, interest will be charged at the daily rate of 0.5 ‰ until the settlement date, and the interest will be compounded monthly.

How to use a credit card

Credit card trading tools are issued by modern banking financial system to enterprises and individuals with stable income and good transactions with banks.

Credit card occupies a high position in the banking system. Compared with debit cards and other cards, it can bring rich benefits to banks. At the same time, credit cards also have a high popularity index. The fundamental reason is that credit cards can overdraw consumption. But it also leads to a problem, that is, people who use credit cards have incurred huge extra expenses (interest, late fees, taxes, fees, intermediate fees, etc.). ), thus dragging down the credibility of users and users.

So use it reasonably!

1. Try to overdraw within the scope allowed by the bank.

2. Timely repayment

3. You can use the overdraft of credit card to buy some products with great value-added space (provided that you have repayment ability).

4. Try to trade between merchants who have cooperation with banks to bring credit points.

5. Don't maliciously overdraw.

6. Consult the bank for information about credit cards so as to use them most effectively.

7. Check the credit card funds in time.

I hope my answer is helpful to you!

How to apply for a credit card loan

Whether it is a credit card or a loan, there is a big difference. If it is a credit card, it will be much easier. You can handle it with your work permit, ID card and my economic certificate. Many bank staff will come to handle it for you. But the loan is very troublesome. The specific standards of each bank are different, so it is necessary to consult the account managers of each bank outlet.

You can call the customer service number of any bank you want to apply for a credit card, find a credit card manual customer service, tell them that you want to apply for a credit card, leave your contact information, and a salesman will contact you to apply for a card.

Credit card loans can be used for car purchase, decoration and travel. Compared with bank consumption loans, credit card loans do not need bank loan interest, but they need to pay a certain percentage of handling fees and pay them in one lump sum. Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after car purchase by installment), and the handling fee rates of different banks are different.

If you want to apply for a credit card loan, you need a stable job and income, and you can't have a bad credit record. If the basic conditions are met, the applicant can apply to the bank with identification, work certificate, income certificate and other materials.

After submitting the application materials, you can wait for the bank to review. Generally, as long as the work income is stable and the credit record is good, you can apply successfully. The specific amount is related to the applicant's work and income.

After approval, the applicant can obtain a credit card with a certain amount and a certain credit limit granted by the bank. After the applicant activates the card, he can swipe his card to buy the required goods. However, after the credit card is overdrawn, the cardholder must repay in full and on time to avoid leaving a bad credit record.

How to borrow a credit card loan

Credit card loan process:

1. You need to apply for a credit card from the bank and submit relevant supporting materials, such as identity certificate, income certificate and work certificate. , and your personal credit is good;

2. Waiting for bank approval;

3. After approval, you can get a card with a certain credit limit granted by the bank.

After the applicant activates the card, he can swipe his card to buy the required goods. However, after the credit card is overdrawn, the cardholder must repay in full and on time to avoid leaving a bad credit record.

Credit card loan definition:

Credit card loan is a credit card installment business launched by banks. The loan amount that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit, and banks only charge fees. The fee rates are different at different stages.

Credit card loan terms

1. Hold the credit card of the bank applying for loan;

2. Good card use record;

3. There are restrictions on the types of credit cards, such as China Merchants Bank business card, official card, purchase card, ANA guarantee card or supplementary card, and cash installment business is not supported;

4. Cash installment funds shall not be used for investment (including but not limited to equity investments such as house purchase, stocks and futures), but only for consumption (including but not limited to decoration, household appliances, wedding, car purchase, student aid, tourism, medical care, etc.). ).

Six banks support credit card loans:

At present, Industrial Bank, Guangfa Bank, Ping An Bank, China CITIC Bank, Shanghai Pudong Development Bank and Huaxia Bank provide credit card loan functions.

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. The main methods used by banks are telephone invitation or active application by customers. In this way, they can apply for loans ranging from 5,000 to 200,000.

Credit card lending business is only suitable for short-term borrowers. They can be used on it, but they are not suitable for long-term borrowers. Because after the credit card transfer, although the cardholder can repay the loan in installments, the longer the installment time, the higher the interest. The monthly interest rate of 12 installment is about 0.75%, which means that 10000 yuan will have interest from 75 yuan. If you borrow 50,000 yuan in advance, 12 installment repayment, the monthly interest rate is 0.75%, and the annual interest is 4,500 yuan. At present, the interest rate of personal loans for six months to 1 year (inclusive) is 6.06%, and the interest rate of loans for more than five years is 6.60%. Compared with traditional loans, the cost of credit card transfer loans will be higher.

The difference between credit card loans and consumer loans

The scope of use of the two is different.

Generally, bank consumer loans will be earmarked for cardholders. For example, housing loans can only be used to buy a house, car loans can only be used to buy a car, decoration loans can only be used for decoration, and consumer loans can only be used for specific types of consumption. Credit cards are more widely used and relatively flexible. After applying for a credit card, all merchants who can pay by credit card can pay by credit card.

The cost is different.

Consumer loans do not enjoy interest-free period, and lenders need to repay each installment on time from the effective date of the loan, so the loan cost is inevitable. Credit cards enjoy a maximum interest-free period of 50 -56 days, during which cardholders can freely overdraw. As long as the repayment is made in full before the due repayment date, there is no need to bear the capital cost.

The convenience of application is different.

Consumer loan application is troublesome, complicated and strict, and usually takes a long time. In many cases, applicants need to provide more supporting documents, even mortgages and guarantees. Applying for a credit card is relatively easy. Customers can apply for credit cards through offline outlets of banks, official website, WeChat and mobile apps. In the application process, you only need to provide personal information and application materials such as work certificate and income certificate. Credit card approval time is relatively short, and it is more convenient to apply.

The two repayment methods are different.

Consumer loans can be repaid regularly, while credit cards can be repaid in full, in installments or at the minimum repayment amount, which provides more convenience for cardholders.