Credit cards (debit cards) can be used for loans. Generally speaking, banks will provide exclusive loan services for credit card (debit card) customers, such as Bank of Communications, China CITIC Bank Express Easy Loan, and China Merchants Bank Reserve Fund. As long as users have a bank credit card (debit card), which is in good condition and has no record of overdue repayment, they can apply for relevant loan services from the bank.

It should be noted that if you don't have a credit card (debit card), you can only apply for other loans, but you can't apply for such exclusive loans.

Can I get a credit card loan?

Credit cards can be used for loans. There are two main ways for cardholders to borrow money through credit cards:

1, ATM or counter cash withdrawal. The amount of cash withdrawn depends on the available credit cards. Usually, after withdrawal, this part of interest is charged on a daily basis, which is generally 10000 yuan, and the annualized interest rate is about 18%. Moreover, it is very likely that you need to pay a one-time extra handling fee to the bank at present.

2. Credit card APP borrowing function. Now basically every credit card issuing bank has launched its own exclusive credit card app. For example, the colorful life of China Bank. This kind of credit card app has many applications. Borrowing money can often be found in the application, and the amount in the credit card can be borrowed into the cardholder's savings card. Borrowing money from the app also bears interest on a daily basis, generally around 15000 yuan, and a handling fee of around 1% is often required.

Operating environment: iphone11IOs15.0 national bank V7.2.0.

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1. Credit card loan refers to the overdraft function granted by the bank to the cardholder within a certain credit limit, which turns the consumer loan function of the credit card into unsecured, and is actually a credit card transfer loan business. After the credit card loan application is approved, the bank will transfer part or all of the credit card amount to the debit card, repay the loan according to the repayment period agreed with the bank, and the cardholder will pay the corresponding handling fee.

2. At present, the application threshold for credit card loan business is not high. As long as the cardholder's credit status is good and his account is normal, he can generally apply. Most banks can make personal credit card loans through telephone invitation and active application by customers. Individual banks take the form of active invitation from banks, and the loan amount invited by banks is generally higher than that of customers who apply actively. So you can apply for loans ranging from 5,000 yuan to 200,000 yuan. As for the personal credit card loan amount, it is related to the original credit card amount of the credit card holder.

Credit card loan is only cash installment. Cardholders can handle it directly in mobile banking, WeChat, bank app or through customer service, tell customer service how much you want and repay it in several times. The banking system has your daily card usage and credit card limit. Customer service will tell you how much money you can have according to the status displayed on the system, and then repay it in installments.

Can I get a credit card loan?

If the credit card can handle the loan, the maximum loan amount can reach 200,000 yuan. However, the basic premise of applying for this card is good personal credit and certain repayment ability.

The basic process of credit card loan:

1. The cardholder calls the bank to apply for a loan;

2. Provide credit card information (name, the last 3 digits on the back of the credit card);

3. Explain the purpose of handling the loan, noting that the loan amount shall not be used for repayment, investment and other purposes;

4. Confirm the repayment agreement and provide a debit card in my name, so that the applied cash installment funds can be transferred;

5. Audit by the bank. After approval, it will be received within one day.

Credit card installment payment refers to the business that when a cardholder uses a credit card to make a large amount of consumption, the card-issuing bank pays the consumption funds of the goods (or services) purchased by the cardholder to the merchant in one lump sum, and deducts the consumption funds through the cardholder's credit card account in stages according to the cardholder's application, and the cardholder repays according to the monthly recorded amount. In the past, credit card installment mainly included bill installment and single consumption installment, and banks usually charged corresponding handling fees according to the number of installments. Whether it is bill installment or single consumption installment, the premise is to generate consumption behavior first, and then the bank will set installment repayment for the generated credit loan.

Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment according to different occasions.

Shopping mall staging, also known as POS staging, refers to cardholders going to shopping places, such as "shopping malls" that can be staged. When you check out, you need to pay by installment with a credit card supported by the mall. Then the cashier will swipe the card on the special POS machine according to the number of periods required by the cardholder (such as 3 periods, 6 periods, 12 periods, etc.). There are also a few shopping malls that support the 24 th issue). Note: When staging in the mall, you need to verify the identity of the cardholder and remember to bring your ID card. Shopping malls are generally free in three stages. The rates for Stage 6 and Stage 12 vary from bank to bank. As long as the goods are sold normally in shopping malls, they can generally be paid by installments. In many cases, the cardholder can also bundle a number of goods together for settlement, and then pay in installments.

Mail-order installment means that the cardholder receives the installment mail-order catalog manual sent by the issuing bank (or the online installment mall of the bank) and chooses from the limited commodities. Then the bank orders in installments through online installment mall, telephone or fax installment application form, etc. Generally, there is no handling fee for mail order installment regardless of the number of installments. However, due to the long ordering cycle (in many cases, it takes more than 15 working days to get the goods), and the return is relatively complicated. It is recommended to compare before buying.

Bill installment is the most convenient installment method, which is basically supported by all issuing banks and is simple to apply. Users only need to apply to the issuing bank for installment by phone after spending their credit cards and before sending monthly bills. However, it should be noted that banks will stipulate some special circumstances, such as speculative credit cards can not be successful in installments. So before the trial run, be sure to read the trial run manual carefully. The disadvantage of bill installment is that it can't exempt the handling fee. The longer the number of installments, the higher the handling fee, and the cardholder must bear it himself.

Can I get a credit card loan?

Credit cards can be used for loans. There are two main ways for cardholders to borrow money by credit card: 1. Withdraw cash through the bank counter or ATM and pay the corresponding handling fee; 2. Borrow from the credit card APP and withdraw the funds within the credit card limit into your savings card; 3. Make loans through consumer loan products launched by credit card APP.

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. Handling fee: You don't need to pay bank loan interest to buy a car by installment with a credit card, but you have to bear a one-time handling fee. Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after installment purchase), and the handling fee rate of each bank is different. Loan Term: Generally, the longest term of car purchase by installment is 24 months. Down payment: If you buy a car by credit card, you generally need to pay a down payment of not less than 30% of the car price. Limit: The bank has regulations on the credit card installment loan amount. For example, CCB stipulates that the installment amount range of car purchase is 200,000-200,000.

Credit card loan has zero interest, preferential handling fee, unsecured and unsecured installment payment. You can also enjoy credit card points feedback, without the burden of high loan interest, and you can also avoid cumbersome mortgage procedures. You can provide some materials to the bank, pay the handling fee in one lump sum and apply for a special credit card. The disadvantage is that the car price is limited, but you can choose most commonly used models. Shopping mall installment 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 on average. Pay back the money on time according to the credit card bill every month. The cardholder chooses to go to the installment merchant store specially designated by the bank and complete the installment payment through the designated POS machine, which is referred to as "shopping mall installment payment".

So much for the introduction of credit card loans.