The good loan of Bank of Communications has provided a lot of convenience for our daily consumption. Many people use it in their daily consumption, but as the saying goes, if you borrow it, you need to pay it back. Then, how can Bank of Communications repay the loan? Is the repayment cost high? Let's answer your question.

How to make good use of the loan from Bank of Communications

Users who have handled the banking business can use it for consumption in unlimited merchants within 90 days from the date of handling. When the single consumption amount is greater than or equal to the initial transaction amount, it will be automatically converted into installment repayment according to the number of installments set by the user.

There are three initial transaction amounts of a good loan, one is 1500 yuan, the other is 3,000 yuan, and the third is 5,000 yuan. When the amount you spend is greater than the amount you choose from the two, the amount you spend will automatically enter the installment repayment. Users will repay each installment according to the number of installments. In addition to the installment principal, each installment also needs to pay the installment fee.

There are many stages, from 3 to 24. And its installment fee is at least every month. It should be noted that the handling fee needs to be paid every month, and it is calculated according to the initial installment amount, not according to the remaining repayment amount. Therefore, the handling fee for installment repayment is still very high.

The above is a summary of the repayment method of Bank of Communications, which can bring convenience and speed to our life, but the cost it needs to pay is still quite high. Friends who want to handle this banking business can do it according to their ability to pay.

How to use the credit card (debit card) of Bank of Communications?

Enjoy the loan is a consumer credit loan business launched by Bank of Communications, which is an exclusive installment credit provided on the basis of the cardholder's original credit line.

After applying for a good loan, it can be used in all businesses except real estate transactions. As long as the installment amount reaches the initial amount of using good loans, you can use good loans, and the initial amount needs to be set by yourself.

If the initial amount set by Xiao Ming is 1 1,000 yuan, the credit line will be given priority when the consumption exceeds 1 1,000 yuan.

How to brush out a good loan from Bank of Communications? Both methods are very effective!

Bank of Communications is one of the famous commercial banks in China. The credit card business is getting better and better. Many people have applied for Bank of Communications credit cards. Do you know that?/You know what? As long as you have good personal credit and are an active user, once you need money urgently, you can handle credit business in Bank of Communications. Today, let's introduce how Bank of Communications enjoys the loan. How to borrow money quickly?

1. What is good for Bank of Communications loan?

As long as you have a bank of communications credit card and meet the application conditions, you can apply for a good loan. Good loan is an automatic installment business specially provided for users. After the successful application, you can get a loan amount of up to 300,000 yuan, which should meet the borrowing needs of most people, mainly for daily consumption, such as marriage, tourism, education, decoration and so on.

There is a certain threshold for applying for a good loan. If you are a frequent customer of credit cards, have a good credit or have certain financial assets, you can easily receive an invitation message. A good loan amount is the installment amount that exceeds the credit card amount. Once the contract is signed, 500 yuan will be staged automatically.

Second, how does Bank of Communications enjoy the loan?

This is the most concerned issue for users. After all, a good loan is not a cash loan, and the amount obtained cannot be directly withdrawn to the bank card. If you sign the loan, there will be no cost if you don't spend it. How can you brush it out?

1, help with purchasing. Different from flowers and white stripes, it has a wide range of applications, and any offline or online channel can be used. You can suggest it to your friends and relatives. If you need to buy digital appliances, mobile phones, computers, I can help you pay and then let others transfer money to you.

2. Self-brush. You can choose to buy genuine digital mobile phones and computers from reliable channels and sell them at a discount on second-hand platforms. The difference is the handling fee. This method has certain risks. Be sure to choose a safe and reliable platform and pay attention to keeping relevant vouchers.

To sum up, no matter how you brush it out, there are certain risks. Don't brush out all the quotas, and the frequency should not be too high, so as not to be risk-controlled by Bank of Communications.

How to use the good loan of Bank of Communications?

Bank of Communications is a large-scale consumption installment business, and the use process is as follows:

1. Bank of Communications quality customers apply through the channels of paying bills, official WeChat account and official website;

2. After approval, sign a contract with the bank to enjoy the loan, and determine the amount and number of the first installment;

3. During the validity period, the daily consumption scenario uses the Bank of Communications credit card to reach the installment amount, and the system will automatically enjoy the loan installment;

4. The cardholder can repay the loan on schedule or in advance.

Note that the credit line cannot be used for real estate transactions, and it cannot be recovered after it is used up, so it needs to be reapplied.

Extended data:

Enjoy the loan is a brand-new credit card installment service launched by Bank of Communications, which provides mass consumer credit support with high exclusive quota (maximum 1.5 million) and convenient service process.

trait

Handling is quick and convenient, and complicated materials are not required.

Wide range of applications, covering all aspects of life.

The longest repayment period is 24 months.

The monthly handling fee is only 0.72%

Applicable card types

There are all kinds of credit cards in Bank of Communications, except official cards, quasi-credit cards, installment cards and supplementary cards.

Available range

Customers can use credit lines in most merchants who spend their daily lives, such as household appliances, high-end department stores, famous watches and jewels, home decoration, furniture purchase, high-end banquets, travel vacations, wedding photography, further education courses, etc., covering all aspects of life, but businesses such as real estate, finance, securities, lottery tickets, hospitals, tax payment, government services, etc. cannot use credit lines by stages. The Bank of Communications credit card website will regularly update the types of merchants who are not allowed to use credit lines. For details, please refer to the website of Bank of Communications Credit Card.

Home-Installment-Enjoy the Loan

Use process

(1) Customers who have signed up to enjoy the credit line can use it in UnionPay unlimited merchants within 90 days. If the single batch consumption amount is greater than or equal to the initial transaction amount, it will be automatically converted into an installment plan according to the number of periods set by the cardholder. The initial transaction amount (65,438 yuan+0,500 yuan or 3,000 yuan) and the number of installments (65,438+02 or 24) are determined according to the customer's wishes.

(2) After the installment is successful, repay the loan on schedule (including the principal and handling fee of each installment after the loan installment).