how to borrow a credit card loan?
In addition to seeking loans from banks and online lending platforms, credit card loans are the most commonly used. By submitting some personal information, a certain amount of loans can be obtained, which can be used for daily consumption and is also conducive to personal credit data, so as to better obtain high loans from banks.
what is a credit card loan?
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 to make credit card consumption. Credit card loan repayment methods are divided into one-time repayment and installment repayment.
How to use the credit card loan:
According to the credit status of the credit card holder, the bank will increase the installment quota of the credit card to meet the demand of the cardholder to purchase the designated brand cars in installments at the designated dealer. The cardholder 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 the bank loan interest when buying 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 the installment purchase), and the handling fee rate of each bank is different.
loan term: generally, the longest term for car purchase by installment is 24 months.
down payment: generally, a down payment of not less than 3% of the car price is required for car purchase by credit card installment.
limit: banks have stipulated the loan amount for car purchase by credit card installment. For example, CCB stipulates that the installment amount range of car purchase is 2,-2,.
online lending platforms that can be borrowed with credit cards: these are very easy to make payments!
for those who have a credit card, they can get more preferential benefits and enjoy all kinds of benefits of eating, drinking and having fun, and they can also use it for emergencies when they are short of money. So what platforms can credit cards lend? Today, I will take stock of a few products that you can apply for with a credit card.
1. CMB e-loan
Application conditions: a CMB credit card in normal use is required, and there is no bad repayment record.
the repayment method can be flexibly selected, and interest is charged at any time according to the daily interest rate of five ten thousandths; Staging also requires a monthly fee of no more than.
2. Pufa Universal Fund
Application conditions: hold the master card of Pufa Credit Card, use it normally, and have no bad record.
The loan amount ranges from 1 yuan to 3, yuan, and the loan period is arbitrarily selected from 1 to 99 days. The interest will be calculated on a daily basis from the application date, with the standard daily interest rate of days, and a one-time handling fee of 1 yuan will be charged for each application.
3. Bank of Communications Angel Loan
Application conditions: As long as your credit standing is good, you can apply whether you have a Bank of Communications credit card or not.
the monthly rate of angel loan is the annual real interest rate, and the monthly installment principal and installment fee are collected. The monthly installment fee for a loan of 1, yuan is the lowest in 35 yuan.
4. Industrial Bank's credit card short-term cash lending products do not need any mortgage, and the review is relatively fast. It is relatively easy to apply for a free loan, especially for credit card holders with good credit, and they are more free to repay the loan, which can be repaid monthly or in advance.
how to use a credit card?
Credit card loan application:
To apply for a credit card loan, customers can use the credit card to buy a car in installments and apply for special installments, such as credit card home improvement installment, etc. Generally, it is not a problem to borrow 2, yuan. For example, the application amount range of China Construction Bank is between 2, and 2, for the car purchase installment and home improvement installment business of Longka.
it's just that we need to pay attention to the special installment business such as credit card car purchase installment and home improvement installment, which are generally merchants who need to find a bank to cooperate with. Like CCB Longka, there are car dealers who know about the car purchase by stages, and customers can only handle it if they choose the designated model.
because it is an installment business, there is generally no interest, and the installment fee is charged. As long as the customer lists the amount according to the bill, he can repay the current principal and corresponding handling fee on time before the repayment date (inclusive). As long as it can be returned in full and on time, you can enjoy interest-free treatment. Otherwise, once overdue, there will be overdue penalty interest.
of course, customers can also choose to apply for a loan directly from the bank. As long as the customer's age and other aspects meet the standards; Personal credit is good; Have a stable income and the ability to repay on time; The mortgage or guarantee provided is qualified, and usually the loan can be successfully made.
if there is demand, we recommend you to use the money flower. The money flower is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu money flower, renamed as "money flower" in June 218), and the big brand is trustworthy with low interest rate. Money is spent-full of easy loans, the maximum loan amount is 2, (click on the official free loan amount), and the daily interest rate is as low as .2%. It has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest rate and strong security.
Tips: The above information is for reference only, and no loan suggestions are made. In the process of online loan, we must pay attention to prevent risks. In order to ensure the safety of funds and prevent routine loans, we suggest that you choose a formal bank or a formal loan platform by your own judgment after fully understanding it, and borrow reasonably according to your actual situation.
how to get a credit card loan from Pudong Development Bank? 3 examples reveal the secret for you!
Now, more and more people are aware of the benefits of credit cards. Credit cards can not only help people accumulate credit, but also help them enjoy many conveniences and benefits. Pufa Credit Card is a credit card that can help you handle various loans. Today, for friends who have loan needs, let's talk about how to borrow Pufa credit card loans.
There are a large number of credit card loan products in Shanghai Pudong Development Bank, including universal cash loan, Xiaopu red loan, dream loan, Xiaopu online loan, provident fund loan and so on. Here, taking Universal Loan with Gold, Xiaopuhong Loan and Dream Loan as examples, I will tell you how to borrow Pudong Credit Card.
Universal Cash Borrowing
Universal Cash Borrowing is a cash loan product with flexible repayment method, which can be repaid with the loan or repay the principal and interest at maturity.
1. Open "Pudaxiben APP" of Pudong Development Credit Card and select "Staging";
2. after clicking the loan, fill in the loan amount and select the withdrawal days, and then wait for the results from the system.
Xiaopuhong Loan
Xiaopuhong Loan is also a cash loan product, which can be repaid in installments or with the loan, without mortgage or guarantee.
1. Pay attention to the WeChat WeChat official account of "Shanghai Pudong Development Bank Credit Card Center" through the mobile phone and select "Micro Home";
2. Click "I want Xiaopu Red Loan" and submit the loan application online.
Dream Loan
Dream Loan is a loan product with a loan amount of up to 15, yuan, with a service period of 3-12 periods. You can apply if you have a stable job and income.
1. In the "installment financing" column of official website Pudong Development Credit Card, select "Dream of Loan"
2. Scan the page QR code, submit the loan application and wait for the staff to come to the door for service.
The above is an introduction to how to borrow credit cards from Pudong Development Bank. I hope it will be helpful to everyone.
how to borrow a credit card loan from Bank of Communications? All the useful methods are here!
how to borrow credit card loans from citic? Everyone knows this!
what are the online loans that credit cards can lend? Pay attention to these matters.
Many people think that credit cards can be used for cash withdrawal, but they don't know that they can also borrow money from online loans, especially if they can't afford it after spending with credit cards. And there are many such online loans, which can help you avoid overdue credit cards. Let's see what they have.
what are the online loans that credit cards can lend?
after the online loan that we often use is successfully processed, the money is transferred to the provided collection and savings card, and how to use it is up to everyone. However, the online loan by credit card is different, and it can only be used for special purposes. The payment card provided at the time of application is a credit card, not a savings card. After the loan is released, the money is repaid in the credit card. If you want to take it out, you can only take it out by credit card.
Therefore, this point must be made clear before the loan is made, so as not to be in trouble if the credit card is returned as a result of borrowing money for other purposes. If you intend to borrow money to repay your credit card, you can look at these online loans:
1. Repayment is an online loan operated by Chongqing Focus Co., Ltd. and Jihe Technology to repay your credit card. They all have formal financial licenses, and often see advertisements with repayment in the elevator. The slogan is "The interest only needs about 5% off the minimum annual interest rate of bank repayment", with a maximum quota of 5,. It has been online for four years, and many people still apply.
2. Weilefen
Weilefen is a product of Tenpay Small Loan, and it is also an online loan with a credit card. Users who need it can follow the opening and use of Weilefen in WeChat official account on WeChat. However, Weilefen adopts the white list invitation system, which can only be opened if it meets the requirements. If it cannot be opened, it means that it does not meet the requirements for the time being.
finally, it is necessary to pay back the credit card by online loan, which is a temporary solution, not a permanent solution. It is best for everyone to control their consumption desire, spend within their ability, and find ways to increase their income at the same time, so as to solve the problem from the root.
How to apply for a credit card loan
How to apply for a credit card loan
1. Call the bank to apply: the user directly calls the relevant bank, indicating that the individual wants to apply for a credit card loan;
2. Apply to the online shop of the bank: the user provides the bank with the credit card name, the last three digits of the reverse of the credit card, and makes clear the purpose of the funds for personal credit card loan and the number of installments. After the bank staff verifies that it is correct, they can open the credit card loan business.
how to get a loan by credit card.
generally speaking, credit card loans can be divided into new loan models and traditional loan models. Judging from the current situation, the new loan model is relatively hot. The general lending model is as follows:
1. At present, many banks have begun to provide their credit card users with special consumer loan products, which do not enjoy the credit line with credit card bills, such as e-loan from China Merchants Bank and good loan from Bank of Communications.
2. If you buy a car for a loan, you can also apply for a car installment loan directly through a credit card. At present, there are many preferential activities for car installment loans with bank credit cards, not only interest-free policies, but also designated models can buy cars with a down payment of .
3. In addition, some online loan platforms now also accept credit card loans, and interested friends can try it on the online loan platform.
4. in addition to the new loan mode mentioned above, cardholders can also obtain loans through credit cards through the traditional loan mode. Direct cash withdrawal by credit card and cash installment are both ways to make loans by credit card. However, it should be noted that the interest and handling fee for cash withdrawal by credit card are very high, which is not suitable for long-term and frequent use of this method.
There will be great differences in the credit line of different credit cards:
1. Credit line of Puka:
The credit line of Puka is usually between RMB 1 million and RMB 1,. Some banks even have a credit line of 1 point, and some people have obtained a credit card with a credit line of , and they need to deposit before spending.
2. Credit card quota of gold card:
The approval of gold card is stricter than that of ordinary card, and the quota is relatively high. The card face is mostly golden yellow, and the quota is between RMB 1, and RMB 5,. The annual fee can usually be reduced by swiping the card.
3. Platinum card credit limit:
Platinum card is silvery white with the letter P or platinum. The credit limit is between 5, and 5, yuan, and the annual fee used to range from 2, yuan to 1, yuan.
4. Unlimited credit card limit:
The color of the card is usually black, also called black card, and there is no upper limit for the limit of more than 5,.
that's enough for the introduction of credit card online loan.