Guide to the operation of credit card micro-credit loan
If you want to apply for a credit card loan from a bank, you must have a credit card from that bank. After getting a credit card, you can apply for a small credit loan from the bank. To apply for a credit card loan, cardholders generally need to submit proof of identity, proof of work and proof of income. The following are the detailed operation steps about credit card micro-loan.
What you have to do is:
1. Call the bank to apply.
Remember, never say that you want to get a credit card loan at the beginning. Remember the term "cash installment". Some banks have other names, such as Guangfa called "Sample Red" and Pudong called "Universal Gold". Anyway, if I don't know, I will handle the cash installment.
2. Provide credit card information.
Customer service will ask you three questions:
1, card number, name, and the last 3 digits on the back of the credit card.
2. Use cash installment. As long as the answer is for re-education.
3. Confirm several cash repayments. You ask the customer service how many installments there are and what the handling fee rate is, and ask him to help you calculate, and then you can calculate the repayment in several installments.
What should banks do:
1, review your information. Whether the information you provide is accurate or not needs to be confirmed by yourself.
2. Review how much you can bear. According to the daily card usage, credit card limit and repayment of the applicant. The credit card is in good condition and the repayment is in good condition. The higher the amount, the higher the cash installment amount that can be handled.
After the final approval is successful, you provide a debit card account number, preferably the debit card of the credit card issuer. If it is a debit card from another bank, the handling fee will be deducted.
Concluding remarks
When applying for a credit loan, the debtor does not need to provide collateral or third-party guarantee, and can get a loan only by his own reputation. Therefore, this kind of loan attracts the attention of many young people who have little savings but need money. However, the disadvantage of credit card loan is that it can handle a small amount of funds, which is more suitable for applicants with short-term capital needs.