Paying by credit card can solve the daily life problems of cardholders, and many young people use credit cards for spending. If the credit card amount is not enough to meet consumer demand, you can also apply for a credit card loan with a higher amount. So, what are the credit card loans?
1, also
Repayment is a platform for credit card borrowing, with a maximum credit line of 50,000 yuan and the longest repayment period of 12. However, it should be noted that the amount applied by Bai Hua can only be used to repay the credit card, but not to lend money to the bank card for cash withdrawal.
2. Hengyi Loan
Hengyi Loan is also a platform for credit card loans. Up to 200,000 yuan, and can be repaid in 12 installments. The payment speed is very fast, and it is well-known in the credit card online lending platform. There are many applicants, and the card issuance rate is not bad.
3. Consumer Finance in Yin Bao
Yin Bao Consumer Finance has also launched a credit card repayment product, so there is also a platform where credit cards can borrow money. The maximum amount is 50,000 yuan, and the maximum amount can be divided into 12 periods. Like all credit card repayment platforms, the amount applied can only be used to repay credit cards, and cannot be withdrawn.
4. China Merchants Bank E invites loans
High-quality credit card customers of China Merchants Bank can be invited to open e-loans, which can be regarded as exclusive cash installment products of credit cards, with an exclusive quota of up to 300,000. After successful processing, the money will be transferred to the debit card and repaid every month, which can be divided into 24 months at the longest. But after use, it will be locked in a dark room, and cash installment and credit card withdrawal can no longer be handled.
These are all loans that can be borrowed by credit card. You can apply for them.
What are the credit card installment loan products
All banks have launched credit card cash installment loan products for credit card users, and the loan amount of the products is independent of the credit card amount. The following are products:
1. Universal Fund of Shanghai Pudong Development Bank: The monthly handling fee is about 0.7 1%, and the initial application requires the invitation of the bank.
2. CITIC Bank Dream Fund: This needs to be decided by yourself. For example, if the amount is set to 3,000 yuan, then the consumption exceeding 3,000 yuan will be automatically phased.
3. Ping An Bank's consumer reserve fund: similar to the Dream Fund, the amount is directly reflected on the credit card, and the installment amount and the number of installments need to be set.
4. Bank of Communications enjoys the loan: when the consumption reaches 1.500 yuan, it will be automatically phased, and the installment fee rate is between 0.25% and 0.93%.