2. After the loss is reported, the automatic deduction and repayment will not be affected. Please deposit the full amount of funds into the repayment account one day in advance according to the loan contract to ensure the successful deduction on the repayment date.
3. After oral loss reporting, you can apply for a written loss reporting replacement card.
All enterprises with legal personality, enterprises without legal personality, institutions as legal persons and other borrowers who need to apply for loans from various financial institutions and handle credit business such as acceptance bills, letters of credit, letters of credit, guarantees and guarantees. , must apply for a loan card to the downtown branch or county branch of the People's Bank of China where its business license (or other valid documents) is registered.
1654381The Decision of the State Council on Cancelling and Adjusting a Batch of Administrative Examination and Approval Items (Guo Fa [20 14] No.50) promulgated on October 24th explicitly canceled the examination and approval of the issuance of credit cards, and the People's Bank of China stopped processing the issuance of credit cards from February 5th, 20th14th.
According to the authorization of the head office of the People's Bank of China, the Central Branch of the People's Bank of China and its subordinate branches are the credit card management organs, responsible for the issuance, renewal and supervision of credit cards. The loan card refers to the magnetic stripe card issued by the branch of the People's Bank of China to the borrower or guarantor for the enterprise credit information system, and it is the qualification certificate for the borrower to apply for credit business or the guarantor to provide guarantee. The loan card records the code and password of the loan card, which is the voucher for commercial banks to log in to the "enterprise credit information system" to inquire about customer credit information. Getting a loan card does not mean that customers can get a bank loan immediately. The key depends on whether the credit status of the enterprise meets the requirements of the loan bank.
apply for
Personal loans are divided into mortgage loans and unsecured loans. The loan conditions and the bank's standard requirements for borrowers are as follows:
Have Chinese ID card or household registration certificate, at least 18 years old.
People who are not at large in prison have no bad habits.
Good credit, certain economic strength and the ability to repay the principal and interest.
The borrower must be a natural person with full capacity for civil conduct and must ensure that the loan is used for legal business.
Have a stable occupation and income, high integrity, clear property rights, no malicious arrears of bank loans, no triangular debts. Attach the certificate, valid ID card, passport, marriage certificate (unmarried certificate or single certificate is required), financial product statement or public utility bill or household registration book in the last three months, personal tax payment certificate or bank statement or bank transaction flow or bank passbook in the last three months.