All major commercial banks are striving to expand their credit card business, and China Everbright Bank is no exception. Many people want to use Everbright Credit Card for loans after handling. So, how to borrow a loan from Everbright Credit Card? In this article, I will introduce some useful methods to you.

The main loan products of Everbright Credit Card are bill installment and cash installment.

These two loan products are handled as follows:

Bill installment payment

Everbright's credit card bill installment is mainly to help everyone ease the pressure of credit card repayment, and the number of installments can reach 24 times. The usage method is as follows:

(1) Call China Everbright Credit Card Service Line and transfer to 1 for handling;

(2) Apply to official website Everbright Credit Card;

(3) After receiving the installment invitation SMS of Everbright Credit Card, repay the loan according to the prompt;

(4) Pay attention to the official account of China Everbright Bank credit card WeChat, and use the mobile phone to handle it online;

(5) Install the "Sunshine Life" mobile phone client on the mobile phone to apply for Everbright credit card loan.

Cash installment payment

The cash installment of Everbright Credit Card is mainly to provide services for people in urgent need of cash, and the number of installments can reach 18. The usage method is as follows:

(1) After receiving the customer service invitation from China Everbright Credit Card, handle the cash installment under the guidance;

(2) Call1;

(3) Online processing through Everbright Credit Card official website, WeChat official account and mobile APP.

Through the above, I believe everyone already knows how to borrow a loan from Everbright Credit Card.

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Everbright bank credit card bill installment payment

Installment payment of credit card bill of China Everbright Bank means that customers apply for installment payment according to the consumption amount shown in the current bill (that is, the billed consumption amount in the current period), and the installment amount must be greater than 500 yuan (including) RMB.

For example, the bill amount is in installments, and the customer's bill in May shows that there is a debt of 65,438+00,000 yuan, and the bill details are all transactions in installments (see Article 6, items 65,438+0). Then, the customer can apply for timely loan bill installment business when the repayment is due, and the installment amount must be greater than (equal to) 500 yuan and not more than 65,438+00,000 yuan.

1. China Everbright Bank credit card bill installment application amount: the installment amount must be greater than 500 yuan (including) RMB.

2. Application time for installment payment of credit card bill of China Everbright Bank.

(1), customer service telephone application: from billing date to due repayment date before 2 1: 00;

(2) Online banking application: from the bookkeeping date to the bookkeeping date 16.

3. China Everbright Bank credit card bill installment and handling fee rate.

Note: The handling fee is equal to the total installment amount multiplied by the installment handling fee rate, which will be collected in one lump sum during the installment period.

Application method:

1. Call the service hotline 400-6666-999 to apply.

2. Apply online through the credit card website "Banking Service Area".

3. Call the 724-hour global service hotline 4007-888-888 to apply;

4. China Everbright Bank will call to invite some customers.

How to apply for installment when the credit card limit of China Everbright Bank is not enough?

When shopping online, many card friends see their favorite products and want to buy them in installments, but they find that their credit card limit is not enough and they don't know what to do. In fact, if the credit card limit is not enough, there are ways to handle the installment. Let's take the vast number of credit cards as an example to introduce them to you.

Card friend Xiao Wu wants to buy an Apple computer by stages, but his credit card limit of China Everbright Bank is only 1000 yuan, and he needs 900 yuan to buy a computer, so he doesn't know if he can handle it by stages. Generally speaking, you can't, but you can take some measures to achieve this goal.

First of all, let me introduce the credit card installment.

Credit card installment refers to spending within the credit card limit, and then applying for installment repayment after the bill comes out, which can reduce the repayment pressure of card friends and let them buy their favorite products.

However, even if your credit card limit is not enough, there are ways to handle the installment. The specific method is as follows:

1. Deposit the difference into the credit card, increase the credit limit of the credit card, and apply for installment after the bill comes out. For example, the computer that Xiao Wu wants to buy costs 65,438+00,000 900 yuan, so he can deposit the 900 yuan in his credit card, so he can swipe his Everbright credit card to buy a computer.

After buying the mobile phone, wait until the current bill comes out, and then apply for installment, so that even if the credit card limit is not enough, you can still get the Apple computer.

2. There are fixed and temporary credit card quotas. If the fixed amount is not enough, you can apply for a temporary amount, but the temporary amount is valid for one month. The temporary amount cannot be repaid according to the minimum repayment amount, nor can you choose to repay by installments.

3. Increase the quota. This applies to situations where there is no hurry. Because the credit card must be used for more than half a year to upgrade the fixed amount, good consumption habits, repayment habits, no bad credit history, frequent credit card swiping and frequent participation in credit card swiping activities are all helpful to upgrade the fixed amount.

How to handle the credit card cash installment of China Everbright Bank?

I need cash flow badly, but I don't want to withdraw it. You can apply for cash installment to obtain funds. Then, how to handle the cash installment of Everbright Bank's credit card? What should I pay attention to? If you have such a problem, you might as well learn about it with us.

Question 1: How to handle the cash installment of Everbright Credit Card?

Answer:

Cash installment means that Everbright will transfer the transfer amount within your credit card withdrawal limit to the savings card in your name. When handling this business, you need to agree on the repayment period and choose the number of installments. When you pay back every month, you only need to pay back according to the agreed installment plan.

Generally speaking, there are three ways to handle this business:

1, China Everbright Bank took the initiative to call for an invitation.

2. The customer calls the service line of China Everbright Bank: 400-6666-999, turn 3.

3. SMS installment: reply as required after receiving the installment SMS from China Everbright Bank.

Question 2: What is the cash installment amount of Everbright Credit Card?

Answer:

China Everbright Bank's credit card cash installment is limited to RMB currency, and the transfer amount is within the total credit line of my credit card. The minimum amount applied by each cardholder is RMB 2000.

Question 3: How much is the cash installment fee of Everbright Credit Card?

Answer:

The credit card cash installment business of China Everbright Bank mainly includes three periods, six periods, nine periods and 12 periods. The handling fee for withdrawing the installment business is equal to the total installment amount multiplied by the corresponding handling fee rate, which will be deducted in the month when the installment takes effect and collected in the next installment.

3% in the third phase, 5% in the sixth phase, 7% in the ninth phase and 9.5% in 12 phase.

Question 4: How long will it take for the cash installment of Everbright Credit Card to arrive?

Answer:

After successfully applying for credit card cash installment business of China Everbright Bank, the installment amount will be transferred to the debit card account of China Everbright Bank under the customer's name within 3 working days.

Question 5: Can Everbright Credit Card repay in advance after successful cash installment?

Answer:

You can repay in advance after cash installment, but you need to apply. It should be noted that after the installment is cancelled, the remaining principal and handling fee will be recorded in one lump sum, and the installment handling fee collected will not be refunded.

Let's stop here for the introduction of how Everbright Credit Card repays in installments.