What if there is an urgent need for capital turnover and no money? If you have a credit card and receive an invitation from the bank, you can apply for a loan. However, the credit limit of industrial credit cards is not always available. If there was a credit line before but it suddenly disappeared, there may be these reasons.
What is the credit limit of Industrial Credit Card?
Xiang Xing loan is a one-time cash consumption limit provided by Industrial Bank for high-quality credit card holders that exceeds the fixed credit card limit. According to different customers, the corresponding limit is approved. The maximum limit is 300,000 yuan, and the minimum handling amount is 1 10,000 yuan (inclusive).
Within the limit, the cardholder can apply for a loan and transfer the funds to the provided bank card, and the application will be received in real time.
What happened to the sudden disappearance of the credit line?
1. If you find that the loan amount is gone, it is likely that you violated the provisions of the contract on the purpose of the loan when using it, such as whether you invested money or bought a house with money. In short, loans can only be used for consumer purposes such as car purchase, home improvement, travel and shopping.
2. If it is found that there is no credit line in Xiang Xing, it is necessary to check whether the Industrial Credit Card is overdue or whether the loan previously applied for in Xiang Xing has been repaid on time or in advance. In loans overdue, the bank may recover the loan amount, but if the loan is repaid in advance, especially after only a few days, the bank will feel that your demand for the loan is very small, so it is better to give it directly to those who have actual needs.
3. Industrial Bank will often evaluate the comprehensive information of users. Once it is found that the user's comprehensive score can't meet the use standard of the loan, the loan amount will be cancelled. For example, users lose their jobs, their income decreases, and their property declines, which will lead to the sudden disappearance of credit lines.
Xiang Xing has no limit on loans. Can customer service handle it?
I can't. Xiang Xing loan is a cash installment business provided by Industrial Bank to credit card users, which is essentially a consumer loan. Its loan amount is exclusive beyond the credit card amount, and Xiang Xing loan is a one-time cash consumption amount beyond the fixed credit card amount provided by Industrial Bank for high-quality credit card holders.
After applying for a loan, the cash will be transferred to the RMB savings settlement account of the designated bank in the borrower's name, and the money will only be used for consumption.
According to the regulations, the minimum loan amount for each application for Xiang Xing is 65,438 yuan+0,000 yuan, and the maximum loan amount is 50,000 yuan. This limit will not occupy the original fixed limit of our credit card. At present, the number of installments that can be applied for repayment by installments is 3/6/ 12/ 18/24/36, and each installment is one month. If you apply for it, you need to repay it according to the billing cycle.
Wuxi Industrial Bank has no loan line,
Yes
There are two main reasons why there is no credit line: The first reason is that the user does not meet the loan conditions of Xiang Xing loan, and the system has recovered the credit line of Xiang Xing loan. The second reason is that the user has borrowed all the credit lines of Xiang Xing loan, so the page will also show that there is no credit line to borrow. The former must give the loan amount again after the system evaluation, and the latter will restore part of the loan amount as long as it is repaid.