Nowadays, many people have credit cards. Many people will withdraw money directly from their credit cards when they are in urgent need. In fact, the cost of withdrawing cash directly from credit cards is very high. For friends who have credit cards, you can consider the credit card loan platform if you need money urgently. Today, I will introduce you to five platforms for using credit card loans.
I. Jingdong Finance
JD.COM Gold Bar is a pure credit loan product under Jingdong Finance, which allows you to withdraw cash directly. In fact, JD.COM Gold Bar is an upgraded version of JD.COM White Bar, which gives everyone more money to spend.
The loan amount is relatively large, up to 200,000. Everyone can borrow money by binding their own bank cards and credit cards. The better the credit, the greater the credit limit.
Second, the Bank of Communications Angel Loan
Bank of Communications is a consumer loan product for young people aged 24-35. The maximum loan amount is 300,000 yuan, but most eligible applicants can only apply for about 30,000 yuan. The monthly rate of angel loan is to support consumer loans in six installments, 12 and 24 installments.
Third, recruit good loans.
Zhaolian Consumer Finance is a formal platform approved by CBRC, and its loans with good maturity have always been welcomed by the majority of borrowers. The audit speed is very fast, which is 7×24 hours according to the official statement. Most people can know the audit results on the same day, which will not exceed 3 working days at most. If you encounter any abnormality, you can contact customer service.
Fourth, comfortable flowers.
Anyihua is a product that can be borrowed from consumer finance companies immediately. The loan amount is between 1000-50000, which can meet the daily loan demand. Application conditions: 18-55 years old; The network credit score is above 620; Have a stable occupation; Chinese mainland residents; Have a stable income; Have a good credit record.
Some of the five online lending platforms for credit card loans can be loaned for 4 years!
Credit cards are very common in China now, and many people have 3-4 credit cards in their names. When people use credit cards for overdraft consumption, they also apply for loans. So, what are the online lending platforms for credit card loans? Today, I will introduce five platforms that meet everyone's requirements for the majority of credit card holders.
Raise money for consumption
Raising money is the online lending platform of Central Plains consumer finance. If you have a good credit card use record, you can try. The withdrawal loan amount can reach 200,000 yuan, and online application can be made 7x24 hours a day.
Ping' an I Dai
The fastest review is 3 minutes, and the results can be reviewed almost immediately after the application is submitted. The daily interest rate of Ping An I loan is slightly different for everyone, as long as 18 years old or above, has a stable job, has a salary of more than 3,000 yuan, has worked for at least 6 months, and has good credit information.
Xiaomi loan
The micro-loan products under Xiaomi Finance can borrow up to 200,000 yuan. As long as the Xiaomi loan mobile APP is installed and the personal information is authenticated, you can apply. Some users may not have permissions. The expected annualized interest rate on that day is calculated on a daily basis and repaid on a monthly basis in the form of equal principal and interest.
petty loan
The mobile phone credit loan of Tencent's Weizhong Bank can only be imported if it meets the conditions for opening micro-loans. The maximum amount is 300,000 yuan, and the loan interest calculated at the daily interest rate is about 18%.
JD.COM gold bars
The loan amount of JD.COM Gold Bar is relatively large, reaching 200,000 yuan. Everyone can borrow money by binding their own bank cards and credit cards. The better the credit, the greater the credit limit.
If the interest is calculated by the day, the daily interest rate is. Generally speaking, the better the personal credit, the lower the loan interest rate.
What are the apps for credit card borrowing?
A simple and reliable loan platform, and the loan platforms that are easier to pass are:
(1) Zhaolian Good Term Loan: For the credit products under Zhaolian Finance, it is best to apply online and review online, as long as the users have good credit and certain repayment ability.
(2) Ease Flower: The application threshold for Ease Flower is not high, and it is relatively easy to pass as long as it meets the basic loan conditions.
(3) Borrowing: As long as there is an application entrance and quota, borrowing can basically guarantee the success of the next payment.
(4) Micro-loan: You need to check the credit limit in advance, and users with good credit have a high pass rate.
(5)360 IOUs: pure credit loan products. If the age meets the requirements and the credit information meets the requirements, you can apply.
Before, I also needed business turnover. I used several products. The first time I applied for a small amount of money (formerly Baidu Finance), it was just 10W (the maximum platform support was 20W), and the interest rate was very low (the minimum annualized rate was 7.2%), which was still relatively low. All of them are put forward and divided into 12 periods.
Baidu Finance is a regular licensed consumer finance company, and the application process and the whole process of receipt do not require any fees.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
Spend a little money-pay special attention if you have money:
1. Take out the money as soon as possible after spending the money, because the money may become invalid after a long time.
2. At present, it's best to withdraw cash in full, because I read other people's posts that if the withdrawal is too small, the system risk control may mistakenly think that you need it (or re-judge that you are not a quality customer), resulting in rejection during the withdrawal process, and at least 60% is safer.
After the third installment, you can choose to settle in advance, as long as it takes a long time, and it doesn't cost us anything to pay interest. Make sure to mention it first.
First, the conditions that should be paid attention to in bank loans are:
(1) The applicant is at least 18 years old and has full capacity for civil conduct;
(2) The applicant has good credit;
(3) The applicant has a valid marriage certificate, divorce certificate and single certificate;
(4) Having a legal and valid household registration certificate or a valid residence certificate;
(5) Have a good willingness to repay, and have the ability to repay the loan principal and interest in full and on time.
Second, the loan risk.
(1) The agreed interest is seriously inconsistent with the actual interest. Because you signed the contract before the loan, but after the loan, you found that the actual interest was much higher than the agreed interest.
(2) The company that handled the mortgage loan closed down, the deposit and the real estate license could not be recovered, and the mortgage registration could not be revoked, which made it impossible to buy or sell real estate and make loans.
(3) The agreed interest rate is very low, but there are many other expenses (such as deposits and handling fees).
(4) Find a private person to handle the loan, and the money has been paid off after the maturity, and the lender does not cooperate with the cancellation of mortgage registration, or requires additional fees.
(5) Many "dirty" companies want your house, not profit.
Third, because of the so-called low risk and high profit, many private mortgage loans are now handled by many lending institutions. If there are more institutions, the market will be chaotic, and various problems will emerge one after another, and there will be many routines. Is private loans really not suitable for loans? No, after all, not everyone who needs funds can borrow money from the bank. Private loan companies have solved the problem that many enterprises and individuals urgently need money.
All the popular loan platforms with credit cards are here.
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 also provides credit card repayment products, so there is also a platform for borrowing money by credit card. The maximum is 50,000 yuan, and the maximum 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. However, after use, they will be locked in a small black room, and they can no longer handle cash installment and credit card withdrawal.
These are all loans that can be borrowed by credit card. You can apply for them.