1. How to operate Qilu Bank’s interest rate reduction mobile phone operation

How to operate Qilu Bank’s interest rate reduction mobile phone operation? Enter the mobile banking login interface to register. After successful registration, you will become a self-service registered customer of mobile banking. Click Apply for Qilu Bank's interest rate reduction and sign online for all transactions except office transfer transactions. Qilu Bank can reduce the interest rate after review. In this way, the Qilu Bank interest rate reduction mobile operation can be completed

2. How to apply for Qilu Bank’s 20,000 yuan interest exemption?

The process of applying for an interest-free loan from Qilu Bank is:

1. First, go to the bank and other relevant departments to check whether you meet the conditions for an interest-free loan. If the conditions are met, then you can Apply.

2. Prepare the original and photocopy of the borrower’s and spouse’s valid identity documents and marriage relationship certificates.

3. Prepare the local permanent residence or local long-term residence certification materials of the borrower and his spouse.

4. Prepare the business license for the enterprise to engage in production and operation, and provide the original and copy of the business license from the relevant administrative department.

5. Prepare proof of the borrower’s spouse’s commitment to repay the loan together.

6. Prepare other materials to be provided by the lending institution.

3. How to apply for Qilu Bank Quancheng Business Card

Qilu Bank Quancheng Business Card Regulations

Chapter 1 General Provisions

Article 1 In order to improve electronic payment and settlement methods and better provide bank card settlement services for fiscal budget units, this charter is formulated in accordance with the "Bank Card Business Management Measures" and relevant regulations of the financial department, the People's Bank of China and other relevant regulations.

Article 2 Qilu Bank Quancheng Business Card (hereinafter referred to as the business card) is issued by Qilu Bank for financial reimbursement and taking into account personal consumption

Article 3 Our bank and All affiliated outlets (hereinafter referred to as "card issuers, merchants and other parties) must abide by this Articles of Association.

Article 4 Some terms involved in this Articles of Association shall comply with the following definitions:

"Constructing a business card The service agreement authorizes the staff of the unit to hold a business card and assume all debts and legal liabilities incurred by their business consumption.

“The government budget unit issues business cards by card holders. The legal representative of the unit or the person in charge of other organizations authorizes the person to hold the card.

The "credit limit" refers to the card issuer's assessment based on the applicant's credit status and the cardholder's validity period. The maximum credit limit used includes fixed limit, temporary limit and special limit.

The "transaction date" refers to the date when the cardholder actually uses the card or makes a transaction with the relevant institution.

"Bank recording date" refers to the date when the card issuer credits the transaction amount to the cardholder's business card account after the transaction occurs, or the date when fees, interest, etc. are credited to the cardholder's business card account in accordance with regulations.

The cardholder's accumulated unpaid principal, fees, etc. are summarized, and the date on which the cardholder's repayment amount is calculated is calculated.

The "repayment due date" refers to the cardholder's prescribed date by the card issuer. The entire repayment amount or the minimum payment should be repaid

"Repayment date" refers to the cardholder's actual date.

"The total repayment amount" refers to the current bill date. The total amount of the cardholder's accumulated but unpaid transaction principal, as well as interest, fees, etc.

"Minimum repayment amount" refers to the minimum amount that the cardholder should repay as stipulated by the card issuer. Including the accumulated unpaid principal of consumer transactions and cash withdrawals, all fees, interest, the amount owed in excess of the credit limit, and the sum of the unpaid portion of the minimum repayment amount in previous months

"Interest-free repayment period. "Refers to the period between the bank accounting date and the due repayment date for consumer transactions that the cardholder can enjoy interest-free treatment on the premise that the cardholder repays all the repayment amount before the due repayment date (inclusive).

"Over-limit fee" refers to the fee payable to the card issuer according to regulations when the amount held exceeds the credit limit approved by the card issuer.

"Late payment fee" refers to the fee paid when the amount held exceeds the credit limit approved by the card issuer. When the cardholder's repayment amount is less than the minimum repayment amount before the due repayment date (inclusive), the fee payable to the card issuer is required.

Chapter 2 Classification, Function and Use of Business Cards. Scope

Article 5: Business cards are all main cards and are divided into gold cards and ordinary cards according to different credit levels. They have functions such as consumption, transfer settlement, and cash deposits and withdrawals.

Article 6: Cardholders can use the money first and then repay within the credit limit approved by the card issuer, and use it repeatedly. With the business card, you can shop and make purchases at special merchants designated by China UnionPay and the card issuer, and you can handle cash services at ATMs with the China UnionPay logo and business outlets designated by the card issuer.

Article 7 The official card is a RMB card and implements a real-name system. The card and password are kept by the cardholder himself and bear corresponding legal responsibilities. Business cards can also be used for personal consumption settlement on the premise of meeting official expenses.

Article 8 The applicable scope of business card settlement is: expenditures on sporadic goods and services purchased by budget units and personal consumption expenditures that originally used cash settlement.

Chapter 3 Application Conditions and Application Procedures

Article 9 The card issuer shall sign a service agreement with the financial department and the applicant to clarify the responsibilities and obligations of both parties.

Article 10 Official employees of fiscal budget units who have full capacity for civil conduct, have legal and stable sources of income and payment ability, and have good credit status can apply for official business cards upon recommendation by their units.

Article 11 When formal personnel of fiscal budget units apply for official cards, they should correctly, completely and truly fill out the application contract and provide relevant information in accordance with the card issuer's regulations, and sign the application with the card issuer. Contract; agree that the card issuer will consult relevant parties and retain and use relevant information. By signing the application contract, the applicant confirms that it abides by this Article and fulfills all the terms of the relevant contract.

Article 12 The card issuer shall decide whether to issue a card based on the applicant’s credit status, whether to require the applicant to provide guarantee and the method of guarantee, determine the method and type of card collection, and determine the applicant’s credit limit, etc. ; Unsuccessful application materials will not be returned.

Article 13 The guarantee provided by the applicant includes: guarantee, mortgage and pledge. At the same time, a corresponding guarantee contract should be signed separately. The scope of guarantee includes but is not limited to all debts incurred by the cardholder under the business card.

Article 14 When applying for a business card, cardholders must choose to use "password signature" for consumption. When receiving the business card, they should immediately sign the same signature as the application contract in the signature column on the back of the business card. , and use the same signature when using a business card for transactions, otherwise the cardholder will be responsible for any resulting losses.

Article 15 The official card has a validity period, which is up to 5 years. It will automatically become invalid upon expiration, but the creditor-debt relationship incurred by the cardholder when using the official card remains unchanged. If the cardholder does not want to exchange for a new card when it expires, he or she should notify the card issuer in writing or in other forms agreed by both parties one month before the card's validity period expires. Otherwise, the card issuer will regard the cardholder as voluntarily replacing the card with a new one upon expiration. Cardholders who do not want to change to a new card or stop using it after the validity period of their card expires must return the business card to the card issuer in a timely manner and go through the account cancellation procedures.

Chapter 4 Account and Transaction Management

Article 16 The business card can only be used by the cardholder himself and cannot be transferred or lent. Otherwise, all consequences arising therefrom will be borne by the cardholder. People bear it.

Article 17 The maximum credit overdraft limit for the same account with a business card is RMB 50,000. The amount of a single overdraft for the same cardholder shall not exceed RMB 50,000, or comply with the relevant regulations of the People's Bank of China.

Article 18 The card issuer has the right to verify or adjust the cardholder's credit limit at any time, and promptly notify the cardholder and the financial department of the cardholder's unit. If the credit limit is increased, the approval of the financial department of the cardholder's unit must be obtained in advance.

Article 19 If the cardholder chooses to repay by automatic transfer, the card issuer has the right to directly deduct the money from the account provided by the cardholder and transfer it to his business card account for repayment. The cardholder’s debt.

Article 20: For official expenditures incurred under a business card, the cardholder shall report according to the regulations of the financial department of the unit, and the reporting unit shall transfer the corresponding amount to the cardholder's account in a timely manner and in accordance with the agreed method. Payment settlement.

Article 21 When the cardholder repays the amount listed in the bill, the order of repayment is the amount owed in the previous period, the current period’s fees (over-limit fees, late payment fees, etc.), the current period’s interest, and the current period’s interest. Overdraft for cash withdrawal, overdraft for consumption in the current period, etc.

Article 22 The total amount of accumulated overdraft cash withdrawals for business cards shall not exceed 50% of the credit limit, and the daily cumulative overdraft cash withdrawal limit is RMB 2,000.

Article 23 When applying for account cancellation, the cardholder shall return the business card to the card issuer; the cardholder shall still be responsible for paying off all debts and losses incurred before the account cancellation procedures are completed.

Article 24 Cardholders must abide by domestic laws, relevant regulations of China UnionPay, card issuers and acquiring banks when making purchases, withdrawing cash and using other self-service equipment at home and abroad.

Article 25 When a cardholder uses a business card for consumption, any transaction conducted using a password will be deemed by the card issuer to be made by the cardholder himself. All types of settlements handled using passwords and other electronic information The electronic information records generated by the transaction are valid certificates for the transaction.

Article 26 Cardholders should use business cards on the Internet (INTERNET) in a merchant environment with security technology recognized by the card issuer. Otherwise, the cardholder must be responsible for any damage caused by the use of the card on the Internet. You are solely responsible for all risks and losses.

Chapter 5 Interest Calculation Methods and Business Processing

Article 27 Overdrafts on business cards shall be settled monthly. The overdraft interest rate is 0.5% of the daily interest rate. If there is any change, it shall be subject to the relevant regulations of the People's Bank of China. The card issuer does not charge interest on the deposits in the business card account.

Article 28 For cardholders’ consumption transactions, the card issuer will grant the cardholder an interest-free repayment period of no more than 56 days depending on the product.

Article 29 Cardholders can choose full repayment or minimum repayment.

When cardholders choose the full repayment method, they can enjoy the interest-free repayment period discount. However, those who have not repaid in full will not enjoy the interest-free repayment period discount. The minimum payment for underpayment will be The difference in repayment amount must be paid a late payment fee of 5% to the card issuer.

When cardholders choose the minimum repayment method to repay, they will not enjoy the interest-free repayment period. The difference between the repayment and the minimum repayment amount must be paid to the card issuer as a late payment fee of 5%. .

Article 30: When the cardholder’s transaction or unpaid amount exceeds the credit limit approved by the card issuer, the interest-free repayment period does not apply, and the cardholder shall pay overdraft interest based on the transaction amount. , for the portion exceeding the credit limit, an over-limit fee of 5% must be paid to the card issuer.

The interest-free repayment period does not apply to cardholders who use the credit limit to withdraw cash or transfer the transaction portion of their personal accounts, and must pay overdraft interest at the prescribed interest rate from the transaction recording date.

Article 31 When a business card is lost or stolen, the cardholder should report the loss promptly to the business outlet of the card issuer or through the customer service hotline. Once the loss report is confirmed by the card issuer, the loss report will be official and effective. All economic losses incurred before the loss report takes effect shall be borne by the cardholder. If the password is leaked, please change it immediately, otherwise all losses incurred will be borne by the cardholder. If the cardholder conspires with others, commits fraud or engages in other dishonest behavior, or fails to cooperate with the card issuer's investigation, the cardholder shall bear all losses, and the card issuer shall not bear any responsibility.

Article 32 When the business card is damaged, the cardholder should go to the card issuer to go through the card replacement procedures in the manner agreed upon by both parties.

Article 33 If a cardholder has any doubts about his or her account, he or she may apply to the card issuer for the service of reviewing the purchase order. If the disputed transaction is confirmed to have been made by the cardholder after verification, the cardholder shall The cardholder must pay the handling fee for accessing the purchase order.

Chapter 6 Rights and Obligations of Card Issuers

Article 34 Rights of Card Issuers:

(1) The right to review applicants Credit status, the right to consult any relevant parties about the applicant's relevant data, the right to request, retain and use the applicant's personal data, and the right to decide whether to issue a card to the applicant. Unsuccessful application data will not be returned. , has the right to approve and adjust the credit limit of cardholders at any time.

(2) For cardholders who fail to comply with relevant laws and regulations, this Article, etc., the card issuer has the right to cancel the cardholder’s qualifications and stop the cardholder from using the card without prior notice, and may authorize the cardholder to do so. Relevant unit personnel will take back their official business cards.

(3) If the cardholder causes losses to the Bank due to the cardholder's violation of relevant provisions of the Articles of Association, the card issuer has the right to apply for legal protection and pursue the legal liability of the cardholder or relevant parties in accordance with the law.

(4) The business card belongs to the card issuer, and the card issuer reserves the right to withdraw or not issue the card to the customer; after the card issuer issues a notice, regardless of whether the cardholder receives or knows it, the card issuer has the right to do so at any time due to If the card issuer temporarily suspends the cardholder's right to use the business card or reduces the cardholder's limit for legitimate reasons deemed by the card issuer, it can also cancel the cardholder's right to use the business card or cancel the cardholder's right to use the business card for legitimate reasons deemed by the card issuer. Be included in the stop-payment list and have the right to recover all arrears.

(5) If the cardholder fails to repay the overdraft amount after the repayment due date, the card issuer has the right to collect the money through legal channels, stop the use of the business card holder, and has the right to dispose of the card holder. When a person applies for a business card, the pledged property and all income in the associated salary account will be used to repay the arrears, and the right to recover the legitimate income and assets can also be legally collected and recovered from the cardholder's guarantor. So.

(6) The card issuer has the right to feed back the credit record of the business card holder to the credit reporting system of the People's Bank of China, and handle the cardholder's relevant information in accordance with the relevant provisions.

(7) The card issuer has the right to charge cardholders fees according to prescribed standards and credit them to their accounts.

Article 35 Obligations of card issuers:

(1) Provide the applicant with usage instructions related to business cards, including contracts, usage instructions, charging standards and plans. Interest methods, etc.

(2) Respond to cardholders’ inquiries and correction requests regarding accounting status.

(3) Provide cardholders with statement services on a monthly basis in accordance with the methods and standards agreed upon by both parties; however, if there are no transactions since the last month's statement and there is no outstanding balance in the account or the card issuer If there is another agreement with the cardholder, the statement may not be provided to the cardholder.

(4) The card issuer shall keep the cardholder’s credit data and other information confidential. However, card issuers can provide relevant data of cardholders to relevant units and personnel when collecting and recovering debts.

Chapter 7 Rights and Obligations of Cardholders

Article 36 Rights of Cardholders:

(1) Cardholders enjoy the rights and obligations of cardholders Institutions have the right to supervise the quality of services promised by official business cards and make complaints about services that do not meet the quality standards.

(2) Applicants and cardholders have the right to know the functions, usage methods, charging items, charging standards, applicable interest rates and related calculation formulas of the business card.

(3) Cardholders have the right to request statements from the card issuer for the last three months.

(4) Cardholders have the right to request inquiry or correction of discrepant accounts before the due date of repayment.

(5) The cardholder is no longer responsible for the economic losses caused by counterfeiting and misappropriation of the corresponding account after the loss report takes effect, unless the judicial authority deducts the funds in the card in accordance with the law.

Article 37 Obligations of cardholders:

(1) Cardholders shall comply with the provisions of this charter and relevant contracts formulated by the card issuer. And should provide true and valid information to the card issuer. If the card issuer deems it necessary, the applicant should provide the card issuer with a qualified guarantee and other relevant information.

(2) If the cardholder and guarantor change their job, mailing address and telephone number, ID number, or institution name, etc., the applicant, cardholder, and guarantor shall promptly report to the card issuer or contact the card issuer. Contact the card issuer to complete the information change procedures. Otherwise, the card issuer will not be responsible for any resulting losses.

(3) Cardholders should keep their passwords properly. Any losses caused by improper storage of the card or password will be borne by the cardholder.

(4) Cardholders should repay consumer overdrafts, cash advances, interest, annual fees, over-limit fees and other fees and late payment fees on time in accordance with the provisions of the contract with the card issuer; The merchant or other third party refuses to pay the amount owed to the card issuer for reasons such as the above. If the documents on the business card are incorrect or incomplete, but the transaction is confirmed to exist and the amount is correct, the cardholder shall not refuse to pay the transaction amount.

(5) Cardholders who have not received the statement should take the initiative to inquire. If the cardholder does not raise objections to the card issuer before the due date of repayment, it will be deemed that all transactions have been approved. The cardholder cannot refuse to pay the outstanding amount (including corresponding fees, interest, etc.) to the card issuer on the grounds that the statement has not been received.

Chapter 8 Rights and Obligations of the Applicant

Article 38 Rights of the Applicant:

(1) The applicant enjoys the official rights of the card issuer The card applicant has the right to supervise the quality of the services promised by the card applicant and make complaints about services that do not meet the quality.

(2) The sponsoring unit has the right to apply to the card issuer to adjust the cardholder’s overdraft limit at any time based on the personal situation of the cardholder;

(3) The sponsoring unit has the right to withdraw Or if they know the relevant data about the overdraft amount of their cardholders, they have the right to request the card issuer to provide reconciliation services.

Article 39 Obligations of the applicant:

(1) The cardholder shall, in accordance with regulations, submit receipts and invoices for official consumption expenditures to the unit during the interest-free period. When financial reimbursement is made to personnel, the sponsoring unit is obliged to repay the overdraft amount in a timely manner. Interest and other expenses caused by the failure of the unit's financial staff to process the overdraft in a timely manner shall be borne by the sponsoring unit, and the card issuer will collect it directly from the cardholder's account.

(2) When the position or basic situation of a business card holder changes, the applicant is obliged to notify the card issuer in advance and promptly change the use rights of the business card or revoke the card holder's card qualifications. , if the unit fails to fulfill the above obligations, the sponsoring unit will bear all debts and legal liabilities incurred by personnel who change positions using official cards.

Chapter 9 Supplementary Provisions

Article 40 Matters not covered in this Articles of Association shall be implemented in accordance with relevant laws and regulations and the relevant provisions of the banking regulatory authorities.

Article 41 This Article of Association shall be formulated and interpreted by Qilu Bank and shall be implemented upon approval by the China Banking Regulatory Commission. Qilu Bank has the right to amend the Articles of Association in accordance with relevant regulations, which will become effective upon approval and announcement by the China Banking Regulatory Commission without further notice. The revised terms are equally binding on all parties.

4. How to apply for an interest-free loan?

I heard that an only child can apply for an interest-free loan of NT$20,000 from the government. Coupled with the practical difficulties my family is facing, I am very worried. I want to apply, but I don’t know how to apply. Which department should I apply to? Thank you_