For people with credit cards, if they hold credit cards, they can get more discounts, enjoy all kinds of benefits of eating, drinking and having fun, and also help in case of lack of money. So what are the platforms for credit card loans? Today, I will take stock of several products that can be applied by credit card for you.
1, e-loan from China Merchants Bank
Application conditions: you need to have a credit card of China Merchants Bank that is being used normally, and there is no bad repayment record.
The repayment method can be flexibly selected, and interest can be charged at any time at the rate of five ten thousandths per day; Staging also requires that the monthly fee should not exceed.
2. Pufa General Fund
Application conditions: hold the master card of Pudong Development Credit Card, use it normally, and have no bad record.
The loan amount ranges from 1 1,000 yuan to 300,000 yuan, and the loan period is arbitrarily selected between 1-99 days. Interest shall be calculated on a daily basis from the date of application, with the standard daily interest rate of days, and a one-time handling fee will be charged for each application 10 yuan.
3. Bank of Communications Angel Loan
Application conditions: As long as your credit conditions are good, you can apply whether you have a Bank of Communications credit card or not.
The monthly interest rate of angel loan is the annual real interest rate, and the installment principal and installment fee are charged monthly. The monthly installment fee of loan 10000 yuan is the lowest in 35 yuan.
4. Xingye is willing to lend.
Industrial Bank credit card short-term cash loan products do not need any mortgage, and the review is faster. It is relatively easy to apply for a free loan, especially for credit card holders with good credit, and they can repay it more freely, either monthly or in advance.
What kind of online loan can I use a credit card? The key is qualification.
1, Consumption Reserve Fund of Agricultural Bank of China
Specially set up a special cash installment quota for ABC quality cardholders. The minimum amount for a single application is 500 yuan, and the maximum amount is 300,000. If the credit card account in his name is in normal condition, the credit is good, and there is no outstanding debt in the card, he will have the opportunity to be invited to open it, and the loan can be recycled within the limit, but each application needs to be reassessed.
2. Xingye enjoys loans.
Industrial Bank provides large long-term cash installment loans to high-quality cardholders, with a maximum amount of 300,000 yuan, starting from 1 1,000 yuan. Similarly, only invited customers can apply. If you want to apply for a loan, you'd better keep a record of using your card for more than 6 months, spend more by swiping your card and repay it on time. It is important to standardize the use of cards, and the payment can be made in installments during the period, and the pass rate will be relatively large.
3. Enjoy the dividend of peace.
The exclusive cash installment quota granted by Ping An Bank to a specific principal cardholder is independent of the fixed credit card quota, so there is no need to worry about occupying the credit card quota. The maximum amount is 300,000 yuan, and the application amount must be an integer multiple of 100 yuan, and the minimum amount is 2,000 yuan. The application can be received as soon as possible in real time on the same day, and the handling fee per 10,000 yuan is as low as 2.8 yuan/day.
4. Guangfa Caizhijin
Guangfa Bank is a credit card service for high-quality cardholders, which can be handled within the credit card limit, transferred to its debit card for personal consumption, and then repaid monthly, with a monthly handling fee of about 0.75%. The credit card is in good condition, with low debt, and it is easier to live.
Summary: If you have a credit card, you have the opportunity to apply for the above loan, but whether you can pass it depends on the borrower's credit conditions, mainly based on the bank's approval results.
20 18 There is a credit card for the next payment. These online lending platforms recognize credit cards very much!
After entering 20 18, many friends have a hard time. Many people will think of borrowing money by credit card when they are in urgent need of money. In fact, in addition to using credit cards to get loans, you can also use credit cards to get loans online. Today, I will introduce you to five online lending platforms with credit cards.
I. ICBC Wealth Management Electronic Loan
ICBC's credit card is a large installment loan with a maximum amount of 300,000, which is a mobile loan APP with a fairly good amount. Basically, all loans can be made at the limit of 1 10,000 yuan. The annual interest rate of 1 is 5.22%, and the interest rate of loans above 1 year is 5.7%, which is not high.
Second, the Bank of Communications Angel Loan
Bank of Communications is a consumer loan product for young people aged 24-35. The maximum loan amount is 300,000 yuan, but most eligible applicants can only apply for about 30,000 yuan. The monthly rate of angel loan is 0.35%, which supports consumer loans in 6 installments, 12 installments and 24 installments.
Three. China Bank Consumer Wallet
Including mail you loan, mail you flowers, China post treasure and other products. The review speed is fast, mainly depending on the applicant's personal data and return visit, and the applicant needs to be between 20 and 60 years old, and can get a pure credit line of up to 50,000 yuan.
Four. Ping' an I Dai
The fastest review is 3 minutes, and the results can be reviewed almost immediately after the application is submitted. The daily interest rate of Ping An I loan is about 0.05%, and everyone's qualifications are slightly different, as long as 18 years old or above, has a stable job, earns more than 3,000 yuan, works for at least 6 months, and has good credit information.
Verb (abbreviation of verb) Xiaomi loan
The micro-loan products under Xiaomi Finance can borrow up to 200,000 yuan. As long as the Xiaomi loan mobile APP is installed and the personal information is authenticated, you can apply. Some users may not have permissions. The expected annualized daily interest rate is 0.05%, with daily interest and monthly repayment in the form of equal principal and interest.
What are the online loans that credit cards can lend? Pay attention to these matters.
Many people think that credit cards can be used for cash withdrawal, but they don't know that credit cards can also be used for online loans, especially when they can't afford it. They can borrow money through online loans to pay off their debts. Moreover, there are many such online loans, which can help you avoid overdue credit cards. Let's see what they have.
What are the online loans that credit cards can lend?
After the online loan we often use is successfully processed, the money will be transferred to the provided collection and savings card, and how to use it is up to everyone. Credit card online lending is different and can only be used for special purposes. The payment card provided when applying is a credit card, not a savings card. After the loan is issued, pay back the money in the credit card. If you want to take it out, you can only take it out by credit card.
Therefore, this point must be made clear before the loan, so as to avoid the trouble of paying back the credit card because the loan is used for other purposes. If you are going to borrow money to pay back your credit card, you can look at these online loans:
1. Repayment is a credit card loan jointly operated by Chongqing Focus Co., Ltd. and Jihe Technology. They all have formal financial licenses, and they often see advertisements for repayment in elevators. The slogan is "interest only needs to be repaid by the bank at a minimum annual interest rate of about 50%", with a maximum amount of 50,000. It has been online for 4 years, and many people are still applying.
2. Micro-music integral
Weile Powder is a product of Tenpay Small Loan, and it is also a credit card loan. Users in need can pay attention to the opening and use of Weile Powder in the official WeChat account on WeChat. However, Weile Powder adopts the white list invitation system, which can only be opened if it meets the requirements. If it can't be opened, it means that it doesn't meet the requirements temporarily.
Finally, the credit card needs to be repaid by borrowing online loans, and it is not a permanent cure. You'd better control your consumption desire, spend within your ability, and find ways to increase your income and solve the problem from the root.
Online loans that can be paid by credit card.
Online loans, you can use credit cards: Bao Gong wallet, small win card loans.
First, with the continuous improvement of the quality of life, overdraft consumption has become the mainstream, and debt is a normal state. The most common are credit cards and online loans. In the eyes of most people, credit cards and online loans are both borrowing money anyway, which naturally falls into the same category, while their cognition is vague and simple.
Second, the application conditions are higher than credit cards, and there are requirements for the qualifications of applicants. In addition to providing specific personal materials to the bank, you must also prove to the bank that you have a stable job and income source, and you can apply for opening an account if you meet the relevant conditions. Moreover, the amount of credit card application depends on the application conditions, and the greater the ability, the higher the amount. As far as online lending is concerned, online lending is much simpler than the application process of credit cards. Many third-party online lending platforms only need to provide basic personal materials, and they can lend money after successfully receiving the audit call. Even some platforms lend money directly without telephone verification, but the amount is generally not too high.
3. Interest and other expenses In general, the interest-free period of credit cards is 18-50 days, allowing customers time to relieve financial pressure. If they repay before the specified repayment date, they will not charge interest. If you don't repay on time, you will be charged a late fee of 0.5% and 5% of the reference interest. In addition, if the repayment is by installment, the monthly installment fee of 0.72%-0.9% will usually be charged. Online loans will charge a certain percentage of the loan amount when applying, but this part of the cost is deducted from the repayment amount. Excluding the handling fee, the interest of online loans is much higher than that of credit cards. Under normal circumstances, 10% and below are considered as very cheap online loans, 24% are reasonable, 24%-36% are on the high side, and more than 36% can basically be called "supply".
Fourth, the speed of lending After the credit card application is successful, the applicant needs to go to the bank to open an account, and the cycle is about 15 days, which is about 7 days faster. Or ask for cash withdrawal directly on the website or APP of the corresponding bank. Online lending is faster. At present, most online lending platforms on the market are aimed at it, and the approval is very fast. Users only need to register on its platform, and then fill in relevant information and loan amount as required. Once approved, they will lend money soon. In a word, credit card is a product launched for the convenience of our consumption in advance, and we need to apply to the bank. The process is complicated, but the security is high. Online lending is to alleviate our difficulties. The application is convenient and the next payment is fast, but the safety factor is not high and there are certain risks. Due to the high interest rate of online loans, some lawless elements have made a big fuss about online loans, deceiving lenders and profiting from them. Therefore, before deciding to apply for online loans, you must understand the provisions and algorithms of interest related to online loans to avoid being deceived.
So much for the introduction of what credit cards can do.