Credit card has no loan function, but at present, CCB has large-scale special installment business for car purchase and home improvement. On the basis of the original credit card limit, give customers a special installment limit for car purchase or home improvement. However, there is no way to take out this quota, and it can only be used by stages in the cooperative merchants designated by his family. For business details, the landlord can go to the credit card website of CCB to get a general understanding.

If you need cash, his family also has a business called cash installment, but the amount should be within the credit card limit.

Cash installment: You can pay a sum of cash from your credit line to your savings card in CCB, and take it out from the savings card and return it to the bank every month. The advantage of this business is that it is not restricted by POS card swiping and can be traded in cash.

Processing time: there is no specific limit.

Processing amount: For 500 yuan, it must be an integer multiple of 65,438+000 yuan, and the maximum amount shall not exceed the available limit of your credit card (excluding overpayment and temporary limit), and the total amount shall not exceed 50,000 yuan.

Installment fee: I cut the following picture for the landlord in official website, so the landlord can have a look:

For example, it is calculated by 10000 yuan in six installments.

Installment principal = 10000/6= 1666.66 yuan,

Installment fee = 10000*0.53%=53 yuan,

Total * * * handling fee for the 6th installment =53*6=3 18 yuan,

Installment repayment =1666.66+53 =1719.66 yuan.

If the landlord has other questions, you can ask.