After the credit card of CCB is completed, it can be used to borrow money in addition to overdraft consumption. There are many ways. Some card friends may not know much about CCB's credit card loans. Here I will briefly introduce the most common ways to borrow money, hoping to help friends in need.

How to get a credit card loan from CCB?

1. Cash prepaid by credit card:

Refers to the withdrawal of cash within the credit card limit, the maximum amount of which is 50% of the approved credit card limit, including cash withdrawal, cash transfer and cash installment.

1) Cash withdrawal means that the cardholder obtains the funds within the credit card limit in cash at CCB outlets through counters, smart ATMs, ATMs, etc., with a daily limit of 20,000 yuan and a monthly limit of 50,000 yuan. A handling fee of 65438+ 0% of the transfer amount will be charged for each transaction, and interest will be charged from the entry date, and the principal and interest will be paid off in one lump sum after the bill comes out.

2) Cash transfer means that the cardholder transfers the funds within the credit line to his savings account through mobile banking and online banking of China Construction Bank. Except in different ways, the limit and interest rate are consistent with cash withdrawal;

3) Cash installment refers to the transfer of funds within the credit card limit to my bank settlement account, and then repayment by installments. There are issues 3, 6, 12, 18 and 24, and there is a handling fee. The monthly benchmark interest rates are 3,6, 12,18,24, and.

In fact, it is a special installment business. There are stages of CCB, and the maximum credit line is 300,000. Specifically, the bank will provide comprehensive credit according to the credit status of the cardholder. After successful processing, a special installment card will be issued, the application amount will be transferred to the special installment card, and the card will be swiped at the designated type of merchant, so cash cannot be directly obtained.

How to borrow a credit card from CCB for installment loan? What are the conditions?

China Construction Bank has always had many customers, many of whom have handled credit card or loan business in China Construction Bank, and credit card installment loans in China Construction Bank have always been very popular. Then, how to borrow the installment loan from CCB credit card? What are the terms of the loan? I will answer your question today.

1. Credit card of Zhang Jianshe Bank.

If you want to apply for a credit card loan from CCB, you must first have a credit card from Zhang Jianshe Bank, and it should be noted that the credit limit of this credit card should not be too low, because your cash withdrawal limit and installment loan credit limit are determined according to the credit limit of your credit card. So if your quota is not high, then you can't borrow much money.

It doesn't matter if your credit limit is not high. Spend more by credit card, or provide you with sufficient proof of assets and financial resources, and let CCB bring your credit card up before applying for a loan.

Second, credit card records should be good.

If you want to apply for a credit card loan, you must have a good credit record. Only when the credit card is in good condition and there is no record of overdue repayment can the loan be easily obtained. If you are overdue for more than three times or the accumulated overdue days exceed 10 days, the bank will still refuse to handle the loan for you.

The above is about "how to borrow the credit card installment loan from CCB? What are the conditions? " In fact, there are two conditions for CCB credit card loans. First, there is a CCB credit card with a good amount. Second, this credit card has a good repayment record and no overdue record. Generally meeting these two conditions, it is quite simple to give CCB a credit card loan.

20 18 how to borrow a credit card loan from CCB? This is the only application step!

Nowadays, credit cards have become an essential tool for young people. Many people like to borrow money by credit card. Today, I'll tell you how to borrow a credit card loan from China Construction Bank on 20 18. Friends who need to apply for a loan, come and find out!

20 18, the main lending method of CCB's credit card loan is cash installment. The cash installment loan amount shall not exceed the credit line of credit card, and the loan amount shall be above 500 yuan. There are five types of credit card loans for CCB: 3, 6, 12, 18 and 24 months.

1. Download the mobile APP of China Construction Bank on your mobile phone, and find the credit card page after registering and logging in;

2. Enter the "Credit Card Page" and select "Cash Installment Application" to enter the credit card loan application process of CCB;

3. Fill in your own information according to the prompts (generally speaking, you don't need to add a lot of information after you bind the credit card);

4. After submitting the loan information, just wait for the review (CCB credit card loans will be reviewed in real time and received immediately).

In addition, WeChat banking, personal online banking and other application channels are similar to mobile banking, and you can choose according to your own preferences. Generally speaking, it is more convenient to apply for a credit card loan at CCB 20 18.

How to handle the credit loan of CCB?

The general process of CCB's personal credit loan is as follows:

1. The borrower fills in the loan application form and provides the necessary information;

2, CCB investigation, review the borrower's credit status and information, a formal reply to the applicant within three weeks;

3. The borrower who passed the audit of CCB signed a loan contract with CCB. And according to the loan guarantee method, at the same time sign a mortgage contract or pledge contract, guarantee contract;

4, according to national and local laws and regulations, as well as the provisions of the Construction Bank, for real estate insurance, mortgage registration or contract notarization and other procedures;

5. CCB issues loans according to the contract.

As for the difficulty of applying for a loan, it mainly depends on the borrower's personal credit and the degree of matching with the product. The loan is recommended to Mo Long, and the audience is people over 25-55 who need large loans, as well as non-online loan groups, such as Bai Hua and Xiaoman. There are many product choices to meet diversified needs.

Credit card loan is the overdraft function within the credit limit given by the bank to the cardholder, just like unsecured. It is a kind of credit card transfer loan business. After the credit card loan application is approved, the bank will transfer the credit card amount to the debit card, and then repay the loan according to the time limit and amount agreed by both parties at that time, and pay the corresponding handling fee.

For more information about the loan, please consult Moore Long. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.

How to borrow a credit card loan from CCB?

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.

So much for the introduction of how CCB uses credit card loans.