Basic conditions for applying for a lightning loan:
1. Holding a card of China Merchants Bank;
2. The age of the lender is generally between 23 and 6 years old, and the age plus the loan period is generally not more than 6 years old;
3. Have the ability to repay the loan on time, have no illegal acts, and have good credit.
Tips:
1. After the lightning loan is released, the cash will be distributed to the designated account, and the funds can only be used for normal bulk consumption and transfer, and it is not allowed to invest or flow into the stock market or real estate.
2. Different types of lightning loans have different quota regulations. Generally, the maximum credit limit does not exceed 2,, which is subject to the loan page. The minimum amount of a single withdrawal is 1,, and the maximum amount does not exceed the limit, and it needs to be an integer multiple of 1,.
3. There are two ways to apply for borrowing and lending within the lightning line:
(1)15-minute lending: automatic approval within 5-1 minutes, immediate lending after approval, and short message informing
(2)T+1 day lending: a phone call will be made within T+1 day to verify and arrange lending after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
4. There will be an inquiry record on the credit information when the lightning loan is established. If you only succeeded in establishing the amount, but did not withdraw money: there will be no record of the amount in the credit investigation; For every subsequent withdrawal, there will be a new loan record in the credit information.
(response time: July 4, 222. The above contents are for your reference. In case of business changes, please refer to the latest business rules. )
Tips: If you have any questions, please call the official customer service hotline or contact China Merchants Bank APP for online customer service consultation.