Is Huaxia Financial Loan Real?

How to get a Huaxia credit card loan? 6 methods for you to choose from!

In our country, after decades of development in the banking industry, a large number of outstanding joint-stock banks have emerged, and Hua Xia Bank is one of them. Now, many people have applied for credit cards at Huaxia Bank. As a result, more and more people are asking about how to get a Huaxia credit card loan. Today I will tell you how to get a Huaxia credit card loan.

Huaxia credit card loan products mainly include flexible installment, bill installment, automatic installment and Express Cash. Here, we will take the flexible installment question as an example to tell you how to get a Hua Xia credit card loan.

Six ways to handle flexible installments:

1. Please follow Hua Xia Bank’s WeChat official account on WeChat and apply for flexible installments in “Yue Finance” or follow Huaxia Credit Card’s WeChat official account allows you to apply for flexible installments in the “activity zone”.

2. Huaxia Credit Card Manager APP

In the Huaxia Credit Card Manager APP, find “I want installment” and then select “Flexible Installment”.

3. SMS

Edit the SMS "Complete consumption amount of the last four digits of LHFQ" and send it to 1069-028-95577.

4. Mobile Banking

Log in to mobile banking and apply for loans in the order of "Credit Card → Installment Service → Flexible Installment".

5. Online banking

Log in to online banking, select "Credit Card", and find the "Instalment Service" function to apply for a loan.

6. Customer service phone number

Call the Hua Xia Credit Card customer service phone number to apply for a Hua Xia Credit Card loan.

The above is about how to get a Huaxia credit card loan for your reference.

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The Hua Xia Financial loan has been overdue for more than two years, 38,000 yuan. Can you please let me know?

Yes.

Generally, overdue credit card repayments do not exceed 3 times. You can apply for a credit card but the limit is very small. You can also get a loan, but the interest rate is very high. However, if you overdue repayments more than 6 times or fail to repay once, it will be a problem. If you are included in the "blacklist", you will not be able to apply for credit cards and loans.

If the cardholder exceeds the prescribed limit or overdrafts within the prescribed period for the purpose of illegal possession, and fails to return the card for more than three months after being called upon twice by the issuing bank, it will be regarded as a "malicious overdraft" ". Referring to the criminal law, a malicious overdraft of more than 5,000 yuan on a credit card constitutes a credit card crime and may be sentenced to less than 3 years; a malicious overdraft of 50,000 yuan to 200,000 yuan is considered a huge amount and may be sentenced to 5 to 10 years; 200,000 yuan The above amounts are extremely large, and the prison term is more than 10 years.

What are the requirements for a Hua Xia Bank credit loan?

The Hua Xia Bank credit loan review takes about seven working days (excluding holidays)

Hua Xia Bank credit loan application materials

1. My valid ID card.

2. Proof of residential address (household registration book, etc.).

3. Personal professional certificate.

4. Proof of income of the loan applicant and his family members.

5. Other information required by the bank.

Hua Xia Bank credit loan application process:

1. The borrower applies for a loan and submits relevant application materials; relevant application materials can be submitted directly to Hua Xia Bank business outlets.

2. Upon approval by the Bank, the handling bank will sign a loan contract with the borrower and handle the loan issuance and fund transfer procedures in accordance with the contract.

3. The borrower repays the principal and interest of the loan according to the repayment plan and repayment method stipulated in the loan contract.

Extended information

HuaXiaBank is a joint-stock bank established on October 14, 1992 and headquartered in Beijing, China.

It has won awards such as "Best People's Livelihood Finance Award in China's Banking Industry" and mainly engages in financial services business.

On October 29, 2021, Hua Xia Bank announced its third quarterly report for 2021.

In the first three quarters, Hua Xia Bank achieved operating income of 72.493 billion yuan, a year-on-year increase of 1.834 billion yuan, an increase of 2.6%; it achieved a net profit attributable to shareholders of listed companies of 16.195 billion yuan, a year-on-year increase of 2.075 billion yuan, an increase of 14.70%. The net interest margin and net interest margin were 2.3% and 2.4% respectively; the cost-to-income ratio was 27.28%, a year-on-year decrease of 2.6 percentage points.

On May 22, 1992, Comrade Deng Xiaoping, the chief architect of reform and opening up and national leader, inspected Shougang Corporation. Subsequently, the Party Central Committee and the State Council approved the establishment of Hua Xia Bank, and the People's Bank of China issued a Bank Notice (1992 ) No. 391, confirming that Hua Xia Bank has independent legal personality and its economic nature is a state-owned bank owned by the whole people.

On October 14, 1992, Huaxia Bank completed the registration procedures with the State Administration for Industry and Commerce, with an initial registered capital of 1 billion yuan.

Does ICBC credit require opening of Huaxia Financial?

ICBC credit does not require opening of Huaxia Financial. According to relevant inquiries, the main business of Huaxia Financial Co., Ltd. includes:

Life insurance, health insurance, accident insurance and other personal insurance businesses, as well as reinsurance business of the above businesses, and also conducts business permitted by national laws and regulations. Insurance fund utilization business. Huaxia Financial and ICBC have no direct relationship. If you apply for a loan through ICBC and are asked to open Huaxia Financial Business, there are two possibilities:

1. ICBC Credit has cooperation with Huaxia Financial Products and bundled sales through credit.

2. Another reason is that when foreign customers apply for loans, ICBC disburses loan funds to foreign customers through Huaxia Financial.