Question 2: How to borrow100000 credit card loan? Some banks have credit card loans, but only if they have a qualified customer. If you have poor conditions, bad credit card records and overdue matters, don't say100000, it is estimated that you can't lend a penny.
Question 3: I want to borrow 1 10,000 yuan with the credit card of China Construction Bank. How to calculate the loan for one year? Credit card has no loan function, but at present CCB has a large amount of special installment business for car purchase and home decoration. On the basis of the original credit card limit, customers are given a special installment limit for car purchase or home decoration. However, there is no way to take out this quota, and it can only be used by swiping the card at the cooperative merchants designated by his family. The landlord can go to the credit card website of CCB for details. In addition, there are many factors that determine whether the bank reference can be approved, which need to be based on the approval result of CCB, and it is unpredictable for the time being. 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 the landlord specifically: cash installment: you can pay a sum of cash from your credit line in CCB to your savings card, and you can 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 limited by POS card swiping and can be traded in cash. Processing time: there is no specific limit. Processing amount: from 500 yuan, it must be an integer multiple of 65,438+000 yuan, the maximum amount shall not exceed the available limit of your credit card (excluding overpayment and temporary limit), and the accumulated amount shall not exceed 50,000 yuan. Handling channels: his credit card home page, cash installment business introduction page, CCB outlets, CCB self-service equipment, CCB installment special line voice system installment fee: I intercepted the following picture in official website and gave it to the landlord, who can.
2016 has a 30% discount before June 30th. For example, apply for cash installment 10000 yuan and choose 12 installment. The installment principal = 10000/ 12=833.33 yuan, and the installment fee =10000 * 0.53% (the discount rate of 12 is 0.53% per month) = 53,12 total.
Question 4: How to apply for a credit card loan? If it is a credit card of China Merchants Bank, you can log in to the Pocket Life client and try to apply for cash installment, e-loan, reserve fund, etc. Please refer to the audit results for the specific amount and expenses.
Question 5: Can I apply for a loan by credit card? I can apply at the local bank.
Conditions for applying for small loans:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 6: How many credit cards can you borrow at a time? Credit card loan is actually a credit card installment business, and the amount depends on your credit card amount.
China Agricultural Bank credit card microfinance can be divided into three situations, the first is interest-free credit card, the second is cash withdrawal, and the third is cash installment.
First, credit cards are used first and then repaid. This is microfinance.
The main function of credit card is overdraft function, which verifies a credit limit according to the applicant's credit situation, and the applicant can overdraw consumption within this limit. For example, if your repayment date is 12 every month, your consumption before 12 can be paid off before the last repayment date of this month. If you spend after 12, you can repay it at the end of next month, so you can get more interest-free time. For example, if you spend 50,000 yuan, you can enjoy an interest-free period of up to 50 days. According to the current short-term loan interest rate of 5.6%, only one interest-free period can save about 400 yuan's interest. In other words, if you have money and use a credit card, you can invest your own money to make money. Of course, you can also pay by credit card in installments.
Second, credit cards accept small loans in cash.
However, credit cards have to charge a higher daily interest (five ten thousandths of a day), and there is also a certain limit for withdrawing cash every day. Credit card withdrawal is limited to your urgent need for cash, and you can repay it in a short time. Otherwise, the interest generated by credit card withdrawal will accumulate after a long time.
Third, credit card cash installment microfinance.
Credit card cash installment is through application. When the bank transfers the money to your bank card, you must return it in installments and charge a handling fee for each installment. Generally, the cash installment amount is above 50,000, and the maximum amount can reach 200,000, but it is not easy to apply. Customers with good credit and frequent credit card swiping habits can apply.
Question 7: How much can a general credit card loan cost? Credit cards and loans are two different things.
Question 8: What are the conditions for a credit card loan? First of all, you should make it clear that loans and credit cards are two different things. Although they are essentially the same, they all borrow money from banks.
A loan is to borrow a certain amount of cash directly from a bank. Repay according to the interest and loan period stipulated by the bank. After the loan is successful, you can directly withdraw money and do what you want.
Generally speaking, the requirements of loans are strict, which usually require work certificates, property certificates and other materials as well as certain collateral, such as cars, houses, certificates of large deposits and one or more guarantors who meet the requirements of banks (for example, the first guarantor of postal bank loans requires that the formal employees of state-owned enterprises and institutions must be qualified to guarantee, and the results can only be obtained after bank audit.
There are also some banks that offer unsecured and unsecured micro-loans. But you also need to submit proof of work and proof of financial resources.
This is more like a credit card/
Credit card is an unsecured and unsecured loan, which is also equivalent to a small loan. However, the purpose of issuing credit cards is consumption and cash withdrawal of a certain amount. For example, if you apply for a credit card from a bank, it will be approved. The bank will mail the credit card to you. If your credit limit is 10000, you will open the card after receiving it. So many banks stipulate that you can only withdraw 5000 yuan from the bank, and you must spend another 5000 yuan with a credit card, that is, buy things with a credit card. (Because of this, many credit card cashing companies have been born. Is to go to their house and brush 5000 yuan. They give you 5000 yuan, and you give them a certain handling fee. In this way, you don't actually have a real credit card transaction)
It was very easy to apply for a credit card a few years ago. Although it is a little more difficult at present, it is still very simple. You can go to a bank outlet, or find a staff member who specializes in handling credit cards, or apply on the website.
But credit cards also need proof. A few years ago, an ID card and a business card could be used to approve cards.
Handling is one thing, and whether it can be approved or not is another.
This usually depends on the nature of your job. This is the most important point in the batch of cards.
According to what you said, you work in a private enterprise, which is probably not very good.
People like banks like departments, civil servants, teachers, doctors, large state-owned enterprises, listed companies and famous enterprises. Not everyone can apply for a credit card. Of course, because of this, many people apply for credit cards by forging, fabricating and cheating forged work certificates.
Besides, even if you apply, how much loan the bank will give you is still a problem. If the unit is good, the quota will be high, generally between 10000 and 30000. Even better is a platinum card. Diamond cards, etc. One card is millions of dollars, and China Merchants Bank has also launched an unlimited card, which means there is no maximum amount. You can use it at will, or you can brush the plane for fun. Travel around the world with one card. But only Li Ka-shing or billionaires are eligible.
The minimum amount of a credit card is 10 yuan or even 0. 0 1 yuan. ICBC Pig Card 10 yuan, CITIC Blue Card 0. 0 1 yuan. Such a card must be used correctly for a long time in order to gradually increase the quota.
In short, the average person's quota is between 3000 and 10000/
So many people applied for credit cards from many banks. The total is also about 654.38+ ten thousand.
There are many restrictions on the use of credit cards, and they must be repaid once a month. If you don't pay it back in March, you will be suspended. If you owe more than 5,000 yuan, you may even be in danger of going to jail. In addition, the interest on credit cards is much higher than that on loans.
I suggest you find out which bank outlets you have there first. Generally, only banks with such bank outlets can apply. For example, you don't have China Everbright Bank there. Although theoretically you can apply through online application, it is absolutely impossible to get approval unless you are an official at a certain level or provide excellent financial proof.
Then, be clear about whether you have a credit stain. According to your question, I don't think you should, because you shouldn't handle any credit business. Of course, the mortgage also counts. If your mortgage is repaid in loans overdue, there is a credit stain. In serious cases, all banks will not lend you money or give you a credit card, no matter how good your proof is.
I think you'd better borrow directly.
If you work in Guangdong Development Bank or China Everbright Bank, you can go to their bank's website to apply directly. /...& gt& gt
Question 9: How to use China Merchants Credit Card loan? Hello, if you need to handle our credit card business, do you mean to handle the cash advance business? The following is about the business of cash advance, please know:
Our personal credit card has the function of borrowing cash in advance. You can withdraw cash from your credit card through ATM machines and bank counters of our bank or other banks (the same as using debit cards), or you can transfer the money from your credit card to the savings card of China Merchants Bank in your own name through online banking and telephone voice (the cash withdrawal function of business credit cards is consistent with the company's settings). Tips: There will be a certain handling fee and limit for cash advance, and you will not enjoy interest-free repayment. From the date of cash withdrawal to the date of settlement, interest will be charged at the daily rate of five ten thousandths, and compound interest will be calculated monthly.
Cash in advance:
Cash advance, also known as cash withdrawal, is a credit card function that provides cardholders with small cash loans. Our credit card supports cash advance through ATM, bank counter, online banking and telephone.
Limit: The cash advance limit is generally 50% of the credit limit (except for cards with special provisions). At the same time, the maximum daily cash advance for each card in China is 2000 yuan; The daily accumulative cash advance of each household on overseas non-UnionPay lines shall not exceed the equivalent of US$ 65,438+0,000, US$ 5,000 within 65,438+0 months and US$ 65,438+0,000 within 6 months.
Handling fee, interest and limit: handling fee: the handling fee for RMB cash withdrawal in China is 65,438+0% of each cash withdrawal amount, and the minimum fee is 65,438+00 RMB; The handling fee for overseas cash withdrawal is 3% of each cash withdrawal amount, and the minimum charge is US$ 3 or 30 yuan RMB (US$ 5 for American Express Card-Centurion Black Gold Card and US$ 5 for American Express Card-Centurion Platinum Card or 30 yuan RMB). There is no inter-bank handling fee for cash advance.
Interest: advance cash does not enjoy interest-free repayment. From the date of cash collection to the date of settlement, interest will be charged at the daily rate of 0.5 ‰, and compound interest on a monthly basis.
If you have any questions about other credit cards of China Merchants Bank, please search for "4008205555" among QQ corporate friends and add "China Merchants Bank Credit Card Center" as a friend; Or search for "cmb4008205555" on WeChat and pay attention to "China Merchants Bank Credit Card Center" for consultation. Thank you for your attention and support to China Merchants Bank!
Question 10: How to borrow a credit card? A credit card is a debit card-the credit card in your hand is equivalent to a loan from a bank, but the amount ranges from thousands to tens of thousands (some can reach hundreds of thousands).
It's just that bank loans are not cash, and merchants need to use POS machines for consumption.
(For example, you have 1000 yuan in your hand and want to buy a mobile phone, but now the bank lends you a credit card with a certain amount. You can use this card to buy a mobile phone, and then a Chu Yuan in cash is equivalent to a loan from the bank; Then, on the specified repayment date, you can repay another thousand yuan to the bank-deposit it in the credit card that bought the mobile phone brush)