Step 1: Call the customer service phone of the bank credit card to find the manual service.
Step two:
1. Tell customer service that you want to handle the cash installment. Some banks have other names, such as Guangfa called "Financial Wisdom Gold" and Pudong called "Universal Gold".
2. Provide credit card information. The customer service will ask you four questions.
1), name and the last 3 digits on the back of the credit card;
2) Payment by cash installment;
3) Confirm cash installment repayment. You ask the customer service how many issues there are, what is the handling fee rate, let him help you calculate, and then you can calculate how many issues to return;
4) Provide a debit card in my name so that the applied cash installment funds can be transferred. It can be a debit card from other banks, but other bank cards will charge a handling fee;
Step 3: After being audited by the bank, wait for the funds to arrive. The account will arrive at the earliest, or within 2 hours if it is slow. At this point, the credit card loan is completed.
How to apply for a credit card loan
Credit card loan application method
1. Call the bank to apply: the user directly calls the relevant bank, indicating that the individual wants to apply for a credit card loan;
2. Apply to the online shop of the bank: the user provides the bank with the credit card, name and the last three digits on the back of the credit card, and defines the purpose of the personal credit card loan and the number of installments. After the bank staff verifies that it is correct, they can open the credit card loan business.
How to get a loan by credit card?
Generally speaking, credit card loans can be divided into new loan models and traditional loan models. Judging from the current situation, the new loan model is quite popular. The general loan model is as follows:
1. At present, many banks have begun to provide special consumer loan products for their credit card users, which do not enjoy the credit limit of credit card bills, such as e-loan from China Merchants Bank and good loan from Bank of Communications.
2. If you buy a car with a loan, you can also apply for a car installment loan directly through a credit card. At present, there are many preferential activities for bank credit card car installment loans, not only interest-free policies, but also designated models can buy a car with a down payment of 0.
3. In addition, some online lending platforms now accept credit card loans, and interested friends can try online lending platforms.
4. In addition to the above-mentioned new loan mode, through the traditional loan mode, cardholders can also obtain loans through credit cards. Credit card direct withdrawal and cash installment are both ways of credit card loans. However, it should be noted that the interest and handling fee of credit card withdrawal are very high, which is not suitable for long-term frequent use.
The credit card limit of different levels will vary greatly:
1.Puka credit card limit:
The credit line of Puka is usually between 1 1,000 yuan-1 1,000 yuan, and even the credit lines of some banks are 1 yuan and 1 yuan. Others have obtained credit cards with a credit limit of RMB in 0 yuan, and they need to deposit before spending.
2. Gold card credit card limit:
The approval of gold cards is stricter than that of ordinary cards, and the amount is also higher. The card face is mostly golden yellow, and the amount is between 1-50000 RMB. The annual fee can usually be reduced according to the number of swipes.
3. Platinum card credit card limit:
The platinum card face is silvery white with the letter P or platinum on it. The credit line is between 500,000 and 500,000 yuan, and the previous annual fee was 2000- 10000 yuan.
4. Unlimited credit card limit:
The color of the card is usually black, also called black card, and there is no upper limit for the amount of more than 500 thousand.
How to apply for a credit card loan?
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 "Sample Red" of Guangfa Bank and "Wanjin" of Shanghai Pudong Development Bank. 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, name, 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.
How to apply for a credit card loan?
If the credit card can handle the loan, the maximum loan amount can reach 200,000 yuan. However, the basic premise of applying for this card is good personal credit and certain repayment ability.
The basic process of credit card loan:
1. The cardholder calls the bank to apply for a loan;
2. Provide credit card information (name, the last 3 digits on the back of the credit card);
3. Explain the purpose of handling the loan, noting that the loan amount shall not be used for repayment, investment and other purposes;
4. Confirm the repayment agreement and provide a debit card in my name, so that the applied cash installment funds can be transferred;
5. Audit by the bank. After approval, it will be received within one day.
How to borrow credit loans and how to apply for credit loans
1. application for business outlets: users bring their original identity documents, photocopies of work units' certificates and assets' certificates and other supporting materials to the service outlets of neighboring banks to apply;
2. Online processing: log in to official website, the core bank credit card, and after choosing to apply for a credit card, you can also choose your favorite credit card type and credit card type, and complete the actual operation according to the display;
3. Telephone application processing: call the bank's credit card manual customer service phone, then transfer it to the service project operation specialist to register the situation, then follow the prompt steps, and then submit the materials for approval.
The above is how to open the credit card related content.
Credit card source
The first credit card appeared at the end of 19. In the 1980s, the British clothing industry developed the so-called credit card, followed by the tourism development and business departments. However, at that time, credit cards could only be used for short-term commercial credit personal behavior, and accounts could not be defaulted for a long time, and there was no credit limit. China's credit card sales market is still one of the fastest growing product series in China's personal financial information service sales market. Although the economic benefits in this field are full of challenges, due to the scale effect and the increase of customer fees, profitability will also tend to improve. This article is mainly about how to open the credit card related knowledge points, the content is for reference only.
How to apply for a credit card loan by credit card is as simple as that.
It is easy to apply for a loan with a credit card. In fact, many card friends don't know this. In addition to some online platforms in the market that can use credit cards for loans, credit cards themselves actually have such "special functions". Let me tell you how to get a credit card loan and how to apply for a credit card loan.
What is a credit card loan?
Credit card loan is simply credit card installment business, such as cash installment of China Merchants Bank, universal fund of Shanghai Pudong Development Bank and angel loan of Bank of Communications. In fact, it's just that the business name of each bank is different and the essence is the same.
A kind of overdraft function provided by banks to cardholders turns the consumer loan function of credit cards into unsecured, which is actually a credit card-to-loan business. After the credit card loan application is approved, the bank will transfer part or all of the credit card amount to the debit card, repay the loan according to the repayment period agreed with the bank, and the cardholder will pay the corresponding handling fee.
How to get a credit card loan
The threshold for credit card loans is generally not high. As long as the cardholder has a good record of consumption and repayment, when there is a cash demand, the application to the bank will generally pass. Some banks take the initiative to invite credit card loans, and most of them are cardholders who take the initiative to apply according to their own needs. The process of cardholder's active application is as follows:
1. Call the customer service phone of the bank credit card for manual service.
2. Tell the customer service that you want to apply for a credit card loan or cash installment. Customer service will ask what purpose you will use the funds for. Remember not to say it's for investment, but to say something else. After the approval, you will be asked to name the last three digits on the back of the credit card, and then put the funds into the savings card of the credit card issuer, which can be other bank savings cards, but other bank cards will be charged a handling fee.
More and more people apply for credit cards to meet their daily consumption and expenses. If you want to apply for a credit card, I will give you a safe and quick application entrance! Click on the credit card application entrance directly. There are the most complete types of cards here, depending on which one you want to apply for!
This is the end of the introduction on how to apply for credit card loans and how to apply for credit card loan repayment. I wonder if you have found the information you need?