Friends who have handled credit cards know that credit cards can be used for online consumption and physical store credit card consumption, as well as cash loan services and credit card loans. The credit card loan line does not occupy the credit card itself, so it has won the praise of many cardholders. How about long-term borrowing by CITIC Credit Card?

How about long-term borrowing by CITIC Credit Card? CITIC Credit Card Long-term Loan is a large cash advance service provided by CITIC Bank for high-quality cardholders of CITIC Credit Card, which can be received in real time without mortgage or guarantee from the borrower. If a cardholder wants to apply for a long-term loan from CITIC Credit Card, he must not only hold CITIC Credit Card, but also have good credit information. The maximum loanable amount of CITIC Credit Card long-term loan is 200,000 yuan, and the longest repayment period is 36 installments. The loan interest rate will change with the repayment period. If it is the first time to apply for a long-term credit card loan from CITIC, the bank will automatically generate and activate an electronic card for the borrower. It is more suitable for cardholders with large capital needs. If the cardholder needs to repay the loan in advance, CITIC Credit Card will charge 0-3% of the outstanding principal as the penalty for early termination of the installment, and the other installment fees will be free. CITIC credit card users can apply for loans in the dynamic card space APP. After the loan is lent, the system will automatically review it, involving integrity, authenticity, personal credit and so on. The review period is generally 1-2 working days. In addition, it should be noted that in the long-term loan of CITIC Credit Card, the cardholder can bind other bank cards as repayment cards and loan cards. If it is bound with other bank cards, the loan can be received in real time if it is less than 50 thousand yuan. If the loan is higher than 50 thousand yuan, it needs to be received on the working day of next month. The above is the related content sharing of "How about the long-term loan of CITIC Credit Card", hoping to help everyone!

2. Can I get a loan with CITIC Credit Card?

You can borrow money.

Credit card loan of CITIC Bank is a consumer loan for office workers. The loan has a wide range of uses, with a maximum amount of 300,000 yuan, no mortgage guarantee, and 24-hour online application.

In fact, CITIC Bank does not charge interest or even management fees for credit card loans. But this loan is not free, because the credit card loan of CITIC Bank has a handling fee, but the handling fee rate is very low, only 0.85% per month.

The calculation method of credit card loan fee of CITIC Bank is as follows:

Monthly handling fee = total loan amount X0.85%

Total repayment (monthly) = principal/monthly handling fee

Total handling fee (total) = total loan amount x number of installment repayment periods X0.85%

For example, according to the monthly handling fee of 0.85%, if you borrow 10000 yuan and repay it in 12 installments, then the handling fee to be repaid is:

Monthly handling fee: 100000.85% = 85.

Total repayment (monthly) = principal/monthly handling fee =10000/1285 = 918.33.

Total handling fee (total) =10,000120.85% =1020.

That is to say, 1 0,000 yuan loan 1 year, the total handling fee is 1 0,020 yuan, and the annual interest rate is about 1.2%. Compared with the annual interest rate of credit cards 18%, the credit card loan interest rate of CITIC Bank is lower.

3. Can I get a loan with CITIC Credit Card?

One uses gold, but these interest rates are relatively high. You can choose credit loans from other banks and download an APP to see.

4. Can I apply for a CITIC credit card of 3000 to 5000 yuan?

If you have a credit card, you may not be able to apply, but it depends on whether it is overdue, how long it has been used and how much it costs. No problem, but you still need to do some work. The income proves that the bank runs smoothly, the regular company needs it, and the interest is reasonable. On the contrary, if you don't need to think about these things, you need to worry. Interest may be high or appear, so learn to judge for yourself.