There are two main repayment methods of China Merchants Bank's lightning loan, automatic repayment and manual repayment.

1. Automatic repayment refers to binding a debit card of China Merchants Bank when applying for lightning loan from China Merchants Bank, and depositing sufficient repayment amount in the bank card. When automatic repayment is set, the bank system will automatically deduct money on the repayment date.

2. Manual repayment requires users to log in to China Merchants Bank official website or APP, find "My Loan", select "To be repaid today", enter the repayment amount, and click "Repay Now".

The above are two repayment methods of lightning loan of China Merchants Bank. It should be noted that while automatic repayment brings convenience, it will inevitably lead to repayment failure due to some problems. Therefore, even if automatic repayment is set, we should always pay attention to whether the repayment is successful or not, so as to avoid overdue repayment due to negligence.

Lightning loan is a credit loan product launched by China Merchants Bank. According to the official of China Merchants Bank, the annual interest rate of lightning loan of China Merchants Bank starts from 7.2%, and the interest is calculated on a daily basis, and the maximum loan amount can reach 300,000. In addition, users can apply for loans with personal provident fund, social security, tax payment and personal credit information. Mobile APP operation, direct lending, very convenient. In terms of types, it can be divided into three types: AUM loans, provident fund loans, and payroll loans.

Among them, AUM loan requires you to have a large number of wealth management assets in China Merchants Bank, and the reference of salary loan may be your bank flow. The reference of Beijing provident fund loan is the down payment of provident fund, which is currently about 5 102 yuan per month. However, no matter what kind of lightning loan, China Merchants Bank adopts the proud invitation system. Therefore, it is useless not to invite users to poke your application. Poke once, your credit is too wronged!

For this white list of invited users, the guy of China Merchants Bank explained that it is generally in units, and most of them are employees who interact with China Merchants Bank frequently, well and closely.

If you make up another knife, even if you receive an invitation, you may be refused a loan. The young man of China Merchants Bank explained the reason why the comprehensive score was not enough:

1. The capital flow of China Merchants Bank is insufficient. 2. There are more than two negative records in the credit investigation within two years. The applicant has four or more credit cards. There are too many kinds of loans, but the third one is very new. Consumer loans may not be good for users with too many credit cards.