1. On the mobile phone desktop, open the CCB app.
2. Open the CCB app and click the place indicated by the arrow in the upper left corner of the page.
3. Next, click Login.
4. After logging in, click the micro quick loan indicated by the arrow.
5. On the subsequent page, select the loan to be processed, and then click Apply.
How to get a credit card loan from CCB? Try these methods.
After the credit card of CCB is completed, it can be used to borrow money in addition to overdraft consumption. There are many ways. Some card friends may not know much about CCB's credit card loans. Here I will briefly introduce the most common ways to borrow money, hoping to help friends in need.
How to get a credit card loan from CCB?
1. Cash prepaid by credit card:
Refers to the withdrawal of cash within the credit card limit, the maximum amount of which is 50% of the approved credit card limit, including cash withdrawal, cash transfer and cash installment.
1) Cash withdrawal means that the cardholder obtains the funds within the credit card limit in cash at CCB outlets through counters, smart ATMs, ATMs, etc., with a daily limit of 20,000 yuan and a monthly limit of 50,000 yuan. A handling fee of 65438+ 0% of the transfer amount will be charged for each transaction, and interest will be charged from the entry date, and the principal and interest will be paid off in one lump sum after the bill comes out.
2) Cash transfer means that the cardholder transfers the funds within the credit line to his savings account through mobile banking and online banking of China Construction Bank. Except in different ways, the limit and interest rate are consistent with cash withdrawal;
3) Cash installment refers to the transfer of funds within the credit card limit to my bank settlement account, and then repayment by installments. There are three issues, six issues, 12, 18 and 24 issues, and there is a handling fee. The monthly benchmark interest rates are 3, 6, 12, 18, 24 and 24 respectively.
In fact, it is a special installment business. There are stages of CCB, and the maximum credit line is 300,000. Specifically, the bank will provide comprehensive credit according to the credit status of the cardholder. After successful processing, a special installment card will be issued, the application amount will be transferred to the special installment card, and the card will be swiped at the designated type of merchant, so cash cannot be directly obtained.
Can CCB credit cards be used for loans?
CCB credit cards can be used for loans. Credit card holders of CCB can apply for loans in cash installments. Cash installment business is a pure credit personal business. Through this business, cardholders can make large purchases with credit cards and then repay them in installments. For example, if you are decorating or buying a car, you can apply for cash installment. After the application is successful, CCB will lend you a special amount of credit card for you to swipe your card.
CCB Credit Card is a credit card issued by China Construction Bank. The credit cards issued by China Construction Bank are all named "Longka", including: Longka Famous School Card, Longka Business Card and Longka Automobile Card.
Interest:
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
The calculation example shows that:
Suppose your bookkeeping date is 17 of a month, and the due repayment date (for example, the 30th of a month) is 17 of the next month (if the month is 3 1 day, it is 16 of the next month, and the year and month are calculated accordingly).
If you spend 65,438+00,000 yuan in April, 65,438+05, and this consumption is credited to your account on the same day, the bank bookkeeping date is April, 65,438+05, because your bookkeeping date is April, 65,438+07, and the due repayment date is May 7, the longest interest-free period for this consumption is 23 days.
If you spend 65,438+00,000 yuan in April, 65,438+08, the consumption amount will be credited to your account on the same day, and the bank bookkeeping date will be April, 65,438+08. Since the consumption amount should be recorded on May 65, 438+07, there are still 50 days before the due repayment date on June 6, and the longest interest-free period of this consumption is 50.
During the cycle turnover:
Revolving credit generally means that the credit limit of a credit card can be recycled. As long as the customer can repay the amount in time after each use (including the minimum repayment method), it can be reused without applying before each use. Revolving credit is the inherent attribute and main function of credit card, which brings convenience to cardholders.
Interest calculation of revolving credit:
The consumption amount of the last statement is the interest-bearing principal, and the interest-bearing days are from the account bookkeeping date to the account repayment date; The interest rate of revolving credit shall be uniformly stipulated by the People's Bank of China, and the daily interest rate shall be 0.5 ‰, with monthly compound interest. The interest on the revolving loan will be stated in the next bill.
The calculation example shows that:
Suppose your bookkeeping date is the 7th of each month and the due repayment date is the 27th of each month. If you spent 10000 yuan on March 20, and this amount was credited to your credit card account on March 23 (that is, the billing date), then on April 7, your statement will list: the total repayment amount in this period is 10000 yuan, and the minimum repayment amount is 1000 yuan. If no other transactions were recorded between April 8 and May 7, you paid the minimum repayment amount of 1 000 yuan on April 27, and the bill on May 7 will include the unpaid part of the consumption amount of 9000 yuan and interest of 225 yuan.
Can CCB credit cards be used for loans?
CCB can handle credit card loans. Credit card loans can be divided into car purchase installment, cash installment, consumption installment, decoration installment and merchant installment.
The credit card loan methods of CCB include: mobile banking, WeChat banking, personal online banking, ATM, good financial services, smart teller machines at outlets, counters at outlets, and self-service voice.
Credit card loan means that the bank gives a certain amount according to the credit status of the credit card holder, and the cardholder can use the credit card for credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
According to the credit status of credit card holders, banks will increase the installment quota of their credit cards to meet the needs of cardholders to buy designated brand cars during the disposal period of designated dealers. Cardholders can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.
Handling fee: You don't need to pay bank loan interest to buy a car by installment with a credit card, but you have to bear a one-time handling fee. Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after installment purchase), and the handling fee rate of each bank is different.
Loan Term: Generally, the longest term of car purchase by installment is 24 months.
Down payment: If you buy a car by credit card, you generally need to pay a down payment of not less than 30% of the car price.
Limit: The bank has regulations on the credit card installment loan amount. For example, CCB stipulates that the installment amount range of car purchase is 200,000-200,000.
Credit card loan to buy a car is a credit card installment business launched by banks. The credit limit that cardholders can apply for is generally 200,000-200,000; There are three stages: 12 months, 24 months and 36 months. There is no loan interest rate for credit installment car purchase, and banks only charge fees, with different installment rates.
Credit card loan has zero interest, preferential handling fee, unsecured and unsecured installment payment. You can also enjoy credit card points feedback, without the burden of high loan interest, and you can also avoid cumbersome mortgage procedures. You can provide some materials to the bank, pay the handling fee in one lump sum and apply for a special credit card. The disadvantage is that the car price is limited, but you can choose most commonly used models.
Shopping mall installment is one of the credit services of bank credit card consumption, that is, credit card holders can choose to divide the total price of purchased goods or services into three, six, 12 or 24 installments on average.
Pay back the money on time according to the credit card bill every month. The cardholder chooses to go to the installment merchant store specially designated by the bank and complete the installment payment through the designated POS machine, which is referred to as "shopping mall installment payment".
Introduction of CCB credit card loan and how to inquire about the balance of CCB credit card loan is over. I wonder if you have found the information you need?