The scope of use of the two is different.
Generally, bank consumer loans will be earmarked for cardholders. For example, housing loans can only be used to buy a house, car loans can only be used to buy a car, decoration loans can only be used for decoration, and consumer loans can only be used for specific types of consumption. Credit cards are more widely used and relatively flexible. After applying for a credit card, all merchants who can pay by credit card can pay by credit card.
The cost is different.
Consumer loans do not enjoy interest-free period, and lenders need to repay each installment on time from the effective date of the loan, so the loan cost is inevitable. Credit cards enjoy a maximum interest-free period of 50 -56 days, during which cardholders can freely overdraw. As long as the repayment is made in full before the due repayment date, there is no need to bear the capital cost.
The convenience of application is different.
Consumer loan application is troublesome, complicated and strict, and usually takes a long time. In many cases, applicants need to provide more supporting documents, even mortgages and guarantees. Applying for a credit card is relatively easy. Customers can apply for credit cards through offline outlets of banks, official website, WeChat and mobile apps. In the application process, you only need to provide personal information and application materials such as work certificate and income certificate. Credit card approval time is relatively short, and it is more convenient to apply.
The two repayment methods are different.
Consumer loans can be repaid regularly, while credit cards can be repaid in full, in installments or at the minimum repayment amount, which provides more convenience for cardholders.
Question 2: How to apply for the business license, business master ID card, water bill, running water, credit reporting, salesman and job number 104059782 1 view the original >>
Question 3: How to use Ping An Credit Card Ping An Business Card is an innovative financial product tailored by Ping An Bank for small and micro customers. It takes micro-credit revolving loan as the core and integrates financing, settlement and value-added services. It's a card for saving money and a card for lending.
Question 4: How about Ping An Credit Card? Ping An Business Card is the loan method for small and micro enterprises with the lowest interest rate, the lowest processing threshold and the fastest loan. It's actually quite good.
But many people have large credit cards, and many people may think that the interest-free period of credit cards is not that long.
In fact, relatively speaking, it depends on how to use it. Although credit cards have an interest-free period, there is still a handling fee when purchasing or paying. The handling fee depends on the POSS machine that swipes the card.
Therefore, if it is basically around 20 days, it will be more cost-effective to loan Ping An Business Card. After more than 20 days, credit cards will be relatively more cost-effective. Of course, it depends on the quota.
Question 5: What about the credit card? Credit card is a kind of loan provided by Ping An Bank to merchants in business circle.
Question 6: How to use Ping An Bank's credit card If you have a regular job, the company will help you pay three gold and four gold. You only need to provide a copy of your ID card and fill out a credit card application form.
If you don't pay, the bank will ask you to provide proof of your salary (basically proof of your salary income in the last three months)
The credit card limit granted to you is granted to you by the credit department of the bank according to your work and personal situation. It's basically 2-3 times your monthly income. But not necessarily.
I will send you a bill every month, and your consumption expenditure is clearly written on every bill.
If you have expenses this month, you must pay them back this month. But you can choose to pay in full (no interest will be paid before the last repayment date on the bill), or you can choose to pay the minimum repayment amount first (this requires interest).
Basically, the bank's interest rate is five ten thousandths ~ I wonder if it has changed now.
Question 7: How to calculate the interest of Ping An Credit Card? If you don't use it, there will be no interest. If you take it out, it will be five ten thousandths of a day. If you don't compound interest, you will only calculate by the day.
Question 8: What is the essential difference between Ping An Bank's credit card and credit card? 10. Essentially, it should be a credit card or a savings card, which has the function of a credit card. A credit card is a credit card. . . . For example, credit cards can save money and withdraw money. Like a savings card, there is no charge. . Credit cards charge existing fees. . . . . There is another difference between a credit card and a credit card, that is, a credit card is an overdraft limit, and interest is calculated as many days as possible from the day it begins. . Credit cards have an interest-free period. . . . . .
Question 9: How to increase the quota of Ping An Credit Card and use it more? It's easy for banks to increase their quotas.