No problem.
2. Can I apply for a loan by credit card?
As far as I know, many people have credit cards now, and some people have more than one. Then, if there is a loan demand, can I apply for a loan with a credit card?
Do you have a credit card to apply for a loan?
At present, the application for credit card loan business is not very strict. As long as you have good credit and no bad repayment record, you can generally apply. All major banks have credit card loans, such as China Bank, China CITIC Bank, Bank of Communications, Ping An Bank, Industrial Bank, Shanghai Pudong Development Bank, China Guangfa Bank, Huaxia Bank and China Merchants Bank.
It should be noted that most banks only handle credit card loans for civil servants, government employees, employees of state-owned enterprises and employees of Fortune 500 companies, such as "Yidajin" of Huaxia Bank and "Jubao Card" of Jiangsu Bank. Of course, there are also ordinary enterprises that can handle it, such as the "easy-to-buy loan card" of Nanjing Bank.
Credit card "loan" is actually what we call "cash installment", so what is "cash installment"? Cash installment, sometimes called cash withdrawal installment, is generally a installment method in which the cardholder applies or the issuing bank invites the cardholder to apply to convert the credit limit in the cardholder's credit card into cash, transfer it to the designated debit card and return it within a specified number of months.
To put it bluntly, the bank will convert the amount of your credit card into cash according to the amount you apply for, and then you can repay it in installments.
How to apply for a large credit card loan?
The first step is quota approval:
In addition to the usual credit card application materials, the applicant should also provide detailed proof of salary flow and other strict materials.
The second step is the loan review:
This kind of loan is generally a personal consumption loan. The customer provides the bank with proof materials that can prove that there is consumption and it needs to be greater than the withdrawal amount. After the approval, the bank will transfer the money to the customer's credit card, and the customer can withdraw it freely.
Can I buy a car with a credit card loan?
If the credit card is in arrears, the user can borrow money to buy a car. When a user applies for a car loan, as long as the bank or auto finance does not require the user to pay off the credit card arrears, the user can handle the car loan business normally on the premise that there is arrears. Credit card debt has an impact on car loans, such as bank or car credit card debt.
Therefore, when the user handles the car loan business, the bank or auto finance does not require the user to pay off the previous arrears, which will not affect this car loan.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to special merchants, and then banks can cooperate with merchants, and cardholders can overdraw within the prescribed amount.
The Standing Committee of China's National People's Congress has issued credit cards or electronic payment cards with the functions of financial institutions such as consumer payment, credit loans and transfer settlement. 20 17 12 1, the "public standard" was officially implemented, and the English name of the CreditCard standard was stipulated as Credit Card.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. A quasi-credit card refers to a quasi-credit card that can be overdrawn within the prescribed credit limit when the balance of the reserve account is insufficient to pay.
From the date of 202 1 and 1, the credit card overdraft interest rate is determined by the business itself, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 per ten thousandth of the daily interest rate and the lower limit is 0.7 per ten thousandth of the daily interest rate).
On May 25th, 20021year, the Supreme People's Court "Provisions on Several Issues Concerning the Trial of Civil Cases of Bank Cards".