At present, China Merchants Bank has launched many different loan products for different users and different application scenarios. Consumer Easy is a consumer loan product launched by China Merchants Bank, and users can use it to swipe their cards or pay online. Because Easy Consumer has a 50-day interest-free period and can enjoy revolving loan lines, it also attracts the attention of many users of China Merchants Bank. So how do users use Easy Consumer?

Consumer Easy is a loan product suitable for new and old users of China Merchants Bank, so if users want to use Consumer Easy, they must first become users of China Merchants Bank. Users need to activate the opening agreement before using the electronic consumer, so as to obtain the quota of the electronic consumer before using it.

At present, there are two ways to activate the protocol. The first user can log in to China Merchants Bank Personal Banking Professional Edition directly. The second type requires users to bring relevant certificates to China Merchants Bank outlets. After the user obtains the consumption quota, he can open the Consumer Easy. After the Consumer Easy is opened, he can use the quota for consumption at any time.

At present, consumption is limited. The average user's single maximum consumption is 6.5438+0 million yuan, the maximum consumption in a single day is 50,000 yuan, and the cumulative maximum consumption in that month is 6.5438+0 million yuan. After consumption, the user repays on schedule before the repayment date, and the consumption quota is directly restored, and subsequent consumption can be carried out.

How easy is it for China Merchants Bank to borrow money?

Consumer Easy of China Merchants Bank As long as users get other revolving loan lines except commercial loans at China Merchants Bank, they can open consumer easy to use. As long as the user meets the opening conditions of easy consumption, it can be opened for use on the same day.

Users also need to fill in their own information as required when opening e-commerce, so as to avoid being rejected for approval because of information problems, thus extending the approval cycle. However, when applying for opening, users should also read the relevant agreements in detail to understand the details of consumer convenience.

China Merchants Bank Consumer Easy Loan Interest Rate

Consumer Easy Loan is different from other loans in that it has a 50-day interest-free period. As long as the user returns all the consumption quotas before the repayment date, the consumer will not charge the user any borrowing fees.

If the user fails to pay off all the consumption quota after the repayment period, the outstanding funds will be automatically converted into loans, and the quota will be automatically restored and can be recycled. For the part transferred to the loan, the user's loan interest will be charged on a daily basis, but the interest rate will vary according to different users. The average daily interest rate is around five ten thousandths.