First, China Merchants Bank card should be opened.
Lightning loan is handled by "one card" in China Merchants Bank's mobile APP. Customers first need to handle related business in China Merchants Bank and open a "one card". In addition, only high-quality users of China Merchants Bank can obtain the lightning loan quota, such as handling large deposits of China Merchants Bank and purchasing wealth management products of China Merchants Bank. You can consult the customer service of China Merchants Bank for the specific processing cycle.
Second, keep users' credit records good.
A good credit record is a necessary condition for applying for a loan. When handling a lightning loan, you need to check the user's personal credit information. If you have a history of overdue loans or credit cards, it is difficult to get a flash loan line.
If users find that they are not qualified for flash loans, they need to continue to handle various retail businesses in China Merchants Bank and maintain a good credit record. When the user meets the application conditions of lightning loan, China Merchants Bank will notify him by SMS.
The application amount of lightning loan will change constantly with the comprehensive evaluation of users in China Merchants Bank (you can't set it higher or lower by yourself). The more deposits and wealth management services users handle at China Merchants Bank, the longer the time, and the larger the lightning loan amount they can obtain.
Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. The minimum amount of a single withdrawal is 1000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1000.
Extended data:
The loan bears interest on a daily basis, and the user needs to pay interest for one day when using the loan.
The interest rate of lightning loan is determined by the system according to the user's comprehensive credit rating, and finally the interest rate of successful loan (no handling fee) shall prevail. Under normal circumstances, the interest rate can be seen in the application interface, and the loan interest rate of lightning loan cannot be adjusted by itself for the time being.
"Lightning Loan" relies on the App of China Merchants Bank to realize the mobile handling of the whole process of loan, such as application, review, withdrawal and repayment, and get rid of the inconvenience caused by the need to provide various materials and face-to-face interviews for traditional bank loans. At the same time, for PC-side online banking application channels, it has got rid of the physical constraints brought by U shield to customers. Easy to apply anytime, anywhere.
Specifically, applying for "lightning loan" is a three-step process. The first step is to log in to China Merchants Bank App. Step 2: Click "Borrow Money"-"Lightning Loan" on the homepage. Step 3: Enter relevant information according to the prompts.
China Merchants Bank-One Netcom Customer Service Online Official Website