Credit payment is a new online personal credit loan product recently launched by Bank of Communications. This product needs to be bound to the applicant's Alipay or WeChat to be consumed online, which is somewhat similar to the virtual credit card type product. However, the loan amount and credit card amount paid by credit are not enjoyed, but will be enjoyed together with the previous Huimin loan amount. At present, the maximum amount you can apply for credit payment is only 3000 yuan, and the interest-free period is 36 days. Like Huimin loans, bills can be phased. In addition, the bank's credit products will definitely check the credit information, and the requirements for credit information are also stricter. Users with poor personal credit information should not apply.
At present, the open group of Bank of Communications' credit payment is users with good credit information and stable work income. In the application process, everyone needs to provide identity authentication, face recognition, personal basic information (with Bank of Communications savings card account) and other information authentication. According to the feedback from users who have submitted applications for opening the Bank of Communications credit payment, after the Bank of Communications credit payment is submitted for review, the whole process is also approved by the system. There is no phone call back, you can use comments by binding WeChat or Alipay, and it is also very convenient and fast to use.
It should be noted that Bank of Communications also has a loan product called Huimin Loan, which is shared with the credit line. If the credit line of Huimin loan is used up, there is no need to apply. If Huimin loan has a credit line, you can try to apply for credit payment. You need to log in to your Bank of Communications account before applying. If you don't have a Bank of Communications account, you can't apply. Please apply for the Bank of Communications deposit card in advance.