Which credit card loan is reliable?

20 19 credit card loan collection: much safer and more reliable than online lending!

20 19 There are many kinds of financial credit products on the market at present, among which credit card loan is the most popular one, because most people have credit cards now, and some even have more than one. In addition to daily consumption, they can also apply for loans to meet other purposes. So what credit card loans are there now? Let's take stock together.

1, e-loan from China Merchants Bank

The fist products belonging to China Merchants Bank are often promoted in various channels. I believe many friends have received text messages, phone calls, WeChat tweets and so on. According to feedback from other users, the threshold for applying for e-loan is low. As long as there is a credit card and no bad record, it is very beneficial to the next payment. Suitable for friends who need money badly. However, the interest rate of e-loan is relatively high, so you can choose to borrow and pay it back. The interest is calculated by the day, which seems to be relatively low. However, if interest is calculated on a daily basis for 30 days a month, the monthly interest rate after compound interest is around 20%, which is relatively high.

2. General cash

The universal fund of Shanghai Pudong Development Bank came out a long time ago. As long as you have the debit card and credit card of Shanghai Pudong Development Bank, you can open it quickly. The amount of the next payment is related to the credit card amount, so you can withdraw it directly. Monthly repayment can be divided into 6 installments or 12 installments. The interest rate of Pudong Universal Fund is lower than that of direct overdraft of credit cards, which is similar to that of private online loans, but it is more convenient.

3. Dream of Dreams/New Express

These two products are credit products of CITIC Bank, one is consumption installment and the other is cash installment. New Express can withdraw cash directly to the bank card. CITIC Bank sometimes offers preferential interest rates to high-quality customers, such as borrowing 6,543,800 yuan. Take issue 36 as an example. Is the interest rate of the New Express relatively low or low?

4. Enjoy the loan/cash loan/angel loan.

There are many kinds of loans under the Bank of Communications, and these three kinds of loans are more popular, which is nothing more than the difference in restrictive conditions. Some need credit cards, some don't, and some are only suitable for new customers. Everyone can choose freely according to their own needs.

To sum up, bank credit card loans are safe and reliable. As long as the credit is good, the next payment will be very fast and will be received in a few minutes. However, the credit card loan interest rate is not particularly favorable, and it is more cost-effective only when it comes to activities. If you have many credit cards on hand, you can look at each bank and choose the one with the lowest interest rate.

The maximum sentence for malicious overdraft of credit cards is uncertain, and the criteria for filing a case must be clear.

The consequences of malicious overdraft of credit cards are serious. If you are punished, you must repay carefully.

Is Ping An Bank's credit card loan reliable?

Ping An Bank loans are reliable. Ping An Bank is a commercial bank established with the approval of China Banking Regulatory Commission, which can carry out loan business and is a reliable loan bank.

As one of Chinese mainland 12 national joint-stock commercial banks, Ping An Bank's loans are naturally completely reliable. At present, Ping An Bank's loan business ranges from personal unsecured credit loans to mortgage loans, car loans and personal small consumer loans. As a fully formal bank, everyone can use the loan with confidence.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks, headquartered in Shenzhen, Guangdong. Formerly known as Shenzhen Development Bank, it is the first publicly listed national joint-stock bank in China.

China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it still needs insurance company's audit to repay the loan, which is equivalent to being guaranteed by Ping An Group. The lender shall pay the insurance premium to Ping An Group in one lump sum after obtaining the loan, and deduct the bank interest and monthly repayment amount regularly every month.

It is impossible to borrow money from banks without collateral, and the new "credit guarantee insurance" of Ping An Group has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank handed over risk management to Ping An to check customer information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination.

It can be said that the threshold of this loan product is the lowest among all platform loans, and its functions are relatively comprehensive. Some platforms are difficult to approve if they have loan records before, but they can continue to lend in Ping An Bank. No matter whether you have paid the monthly payment or used the housing provident fund loan before, you can pass the loan approval again, and all the approvals are online. As long as the conditions are qualified, it is very convenient to lend money quickly.

What are the apps that want to ask about credit card loans?

At present, there are many loan platforms on the market with different thresholds. If you have a credit card, it is recommended to choose an APP for credit card borrowing, and the down payment ratio is relatively high.

There are several apps for credit card borrowing:

1, money station: real-name authentication and credit card bills need to be imported, and it is best to have a record of continuous card use within half a year, and the next payment amount will be higher;

2. Personalized loan: 5 1 credit card loan, with low application threshold. 18 years old can get a credit card with a maximum amount of 65438+ 10,000;

3. Dangdang Loan: Jiufu's credit card loan platform, with a maximum loan of 65,438+10,000 yuan and a relatively long term;

4. Good card loan: You can apply if you have a credit card. The amount is between 3000-30000 yuan, and it will arrive in 2 hours at the earliest, which is more reliable.