1. On the mobile phone desktop, open the CCB app.
2. Open the CCB app and click the place indicated by the arrow in the upper left corner of the page.
3. Next, click Login.
4. After logging in, click the micro quick loan indicated by the arrow.
5. On the subsequent page, select the loan to be processed, and then click Apply.
Can CCB credit cards be used for loans?
How much can CCB credit card loan borrow?
CCB's credit card does not provide loan function, but there are two large-scale installments similar to loans, one is car purchase installment, and the other is house purchase installment. These two businesses are that CCB adds a sum of money to your credit card limit to buy a car or decorate a house, and then pays back the credit card in installments. However, this money can only be used on the special installment POS machines of merchants cooperating with CCB, and the general POS machines cannot be used.
According to the actual situation of the landlord, the amount of large installment is generally not more than 200 thousand.
If the landlord has other questions, you can ask.
Is the credit card of China Construction Bank OK?
Credit card has no loan function, but at present, CCB has large-scale special installment business for car purchase and home improvement. On the basis of the original credit card limit, give customers a special installment limit for car purchase or home improvement. However, there is no way to take out this quota, and it can only be used by stages in the cooperative merchants designated by his family. For business details, the landlord can go to the credit card homepage of CCB to get a general understanding.
If the landlord needs cash, his family also has a business called cash installment, but the amount should be within the credit card limit. Introduce to the landlord:
Cash installment: You can pay a sum of cash from your credit line to your savings card in CCB, and take it out from the savings card and return it to the bank every month. The advantage of this business is that it is not restricted by POS card swiping and can be traded in cash.
Processing time: there is no specific limit.
Processing amount: For 500 yuan, it must be an integer multiple of 65,438+000 yuan, and the maximum amount shall not exceed the available limit of your credit card (excluding overpayment and temporary limit), and the total amount shall not exceed 50,000 yuan.
Handling channels: his credit card home page, cash installment business introduction page or CCB outlets.
Installment fee: I cut the following picture for the landlord in official website, so the landlord can have a look.
For example, suppose the landlord's billing date is 5th of each month, and the due repayment date is 20th of the billing date, that is, the credit line of the landlord's credit card is 10000 yuan on 25th of each month, the current available line is 6000 yuan, and the cash installment is 5000 yuan on June 6th, with 6 installments. Installment principal =5000/6=833.33 yuan, installment fee =50000.75%=37.5, installment repayment =833.3337.5=870.83 (paid before 7/5 of the bill).
The above generally introduces the cash installment business to the landlord, but it still depends on the actual situation of the landlord.
Can CCB credit card handle loans?
Now CCB has launched the cash installment business, which is to transfer all your credit card quotas to your savings card for you to use cash. Only need to pay the handling fee, no interest. The first period is one month, generally divided into three periods, six periods, one year and two years. The handling fee for the third phase is 85 yuan per 10,000 yuan, and the others are 75 yuan per 10,000 yuan. The handling fee is charged monthly. You can go to the outlet with your ID card, savings card or credit card, or you can go through online banking or mobile banking.
Which cars can CCB credit card loan?
CCB credit card has car installment business. You can log on to Credit Card official website-Home-Installment-Car Installment-and see if there are any brands and models you like. After applying for car installment, you should pay the down payment in proportion first, and then CCB will give you a special amount to pay the final payment, and then you can repay it to your credit card in installments, with no interest and a certain percentage of handling fee. The most important thing is to avoid mortgage. The process is as follows:
(1) The customer first selects a car at the dealer and tests it, and negotiates with the dealer to determine the purchase price;
(2) Show your credit card and ID card, and fill in the installment payment application form;
(3) Distributor submits customer application materials to CCB;
(4) After the application is approved, the customer pays the down payment to the dealer and goes through the relevant formalities;
⑤ After receiving the dealer's notice to pick up the car, pay the final payment by credit card and pick up the car;
⑥ Repay by monthly installments through Longka credit card.
Can I apply for a loan at CCB with CCB credit card? What are the procedures?
CCB Credit Card can directly apply for car purchase installment, home improvement installment and cash installment. If you want to apply for other mortgages, you need to apply at CCB outlets, which is not directly related to CCB credit cards. As long as the CCB credit card has no overdue record, it will generally not affect the loan application.
Can CCB credit card apply for a loan at the counter?
Only credit cards can't be processed. When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide proof of stable income source: bank flow sheet, labor contract, etc.
3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;
4. Other information stipulated by the bank.
Can CCB credit cards be used for loans?
CCB's credit card provides loan functions, similar to loan period, car purchase period and housing period. These two businesses are financed by CCB, and then another sum of money is used to buy a car or decorate a house faster. Credit card money can be used as a POS machine for CCB partners to swipe their cards in special periods.
According to the actual situation of the landlord, the deadline quota should be as high as 200,000.
Can CCB credit cards be used for loans? 5 points
Sure,
1, you can use a credit card to spend directly, and then apply for a single installment or bill installment;
2. You can apply for cash installment (equivalent to a loan) or borrow cash from ATM directly by credit card;
I have a CCB credit card. Can I get a loan?
The credit card itself is short-term, with a low quota, and the time is generally within two months. If the credit card can't meet your needs, then you can only apply for a loan.
Conditions for banks to apply for loan business:
Natural persons aged between 18 and 65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information, no bad records, and legal use of the loan;
Other conditions stipulated by the bank.
Can I get a loan from China Construction Bank's credit card?
The credit card itself has a limit, and you can overdraw within the limit provided by the bank.
As far as I know, CCB's credit card provides partial installment services, and additional overdraft limits will be approved for the purchase of designated installment products, such as car purchase installment and housing installment.
"Car purchase by installment with dragon card: refers to the cardholder's application for using his dragon card (excluding business card, student card, supplementary card and security card) to buy a family car at the dealer designated by our bank when he agrees to pay the down payment (the down payment is the net car price minus the approved amount). After the approval of our bank, the actual installment amount will be divided into several installments on average, and the cardholder will repay the money monthly within the agreed time limit and pay a certain handling fee. "
"Dragon Card Installment Payment Service" (referred to as "Installment Payment" for short) refers to the business in which the cardholder applies to use his Dragon Card (except business card, student card, supplementary card and security card) to purchase goods or services at the settlement merchant designated by our bank, and after the approval of our bank, the cardholder pays the settlement money at the settlement merchant designated by our bank through a special installment POS machine, and the corresponding transaction amount is divided into several installments on average, and the cardholder repays and pays a certain amount every month within the agreed time limit.
Neither of these two installment businesses can get cash directly. If you really need it, you can consider applying, which is equivalent to giving you a loan to buy a car or decorate it, and pay it back slowly every month.
Can I only use CCB's credit card for loans? These things about credit card loans need to be understood.
As one of the most common financial institutions in the market, banks have a wide range of loan products, and credit cards are one of the main businesses of banks. Cardholders can not only use credit cards for spending, but also apply for loans. Can I only use CCB's credit card for loans? Everyone should understand these things about credit card loans!
Can I only use CCB's credit card for loans?
Of course not. Most banks in the market provide credit card loan services. As long as the user holds the bank's credit card and meets the bank's loan application conditions, he can apply for a credit card loan. As CCB is a state-owned bank with a larger scale and a more mature credit card loan business, many users trust CCB more.
Each bank has different regulations on the credit card loan amount that can be applied for, but it will be evaluated according to the comprehensive qualification of the cardholder. Generally, it will not exceed 200,000 yuan. For example, Shanghai Pudong Development Bank stipulates that the maximum credit card loan amount can reach 100% of the credit limit.
When determining the loan amount, banks should also focus on reviewing the credit history of cardholders and the frequency of card use. In this regard, the better the credit record, the higher the frequency of card use, and the higher the approved loan amount.
Most credit card loans of banks are online consumer loans, and borrowers do not need to provide collateral or guarantee when applying. Cardholders who have a stable job and meet the requirements for applying for basic bank loans can try to apply. However, the interest rate of credit card loan is different from the handling fee of credit card itself, and all banks have relevant regulations, so cardholders can check it in official website.
The above is "Can I get a loan only with CCB's credit card?" I hope I can help you!
Can CCB borrow money?
China Construction Bank can make loans. Not only CCB can lend money, but other banks can also handle loan business for users. China Construction Bank is one of the four largest banks in China. It can not only deposit and withdraw money, but also handle mortgage loan or credit card business for users.
It is also very convenient for CCB to handle mortgages. As long as you bring your ID card, personal credit report, bank card flow, work certificate, income certificate, business license, house pre-sale contract or copy of real estate license to China Construction Bank, you can handle mortgage loan business.
CCB handles mortgage loans very quickly. Generally, users will be informed of the loan results within three working days. When the user successfully applies for a loan from CCB, CCB will send a repayment bill to the user's mailbox every month.
It is more troublesome to handle. It is a loan without collateral, all based on personal credit records. China Construction Bank is very strict with it, and will make unannounced visits and field surveys to users' residences.
Although the bank stipulates that mortgage loans also need to be inspected on the spot, few people actually inspect their residences on the spot, and the bank staff will only check the real estate license. Users can go to China Construction Bank to inquire about relevant loans.
This is the end of the introduction about whether CCB credit card can lend money and how much CCB credit card can lend. I wonder if you have found the information you need?