To apply for a loan from a bank, you need to have the following information:

Id card, income certificate, company address, company phone number, bank account number, residence certificate. If you have a property right certificate and a driving license, your quota will increase.

After all the materials are ready to be submitted to the bank, the bank will provide loans according to your situation. For example, if you are a civil servant, a staff member of a public institution or an enterprise executive, the loan amount you apply for will be higher. If you just go to work, the loan can only reach1-50 thousand, so it is difficult to apply for a small credit loan.

Each bank chooses different stages and different interest rates as an example of trading;

According to the regulations of Bank of Communications, the handling fee for credit card consumption is calculated as follows:

0.72% for each period (consumption amount reaches 1500 yuan).

0.70% for each period (the consumption amount reaches 6500 yuan)

0.68% per installment (the consumption amount reaches12,500 yuan)