Online loans using credit cards, credit card loans, online loans

A must-have online loan if you have a credit card

Nowadays, there are still many online loan platforms, and the application thresholds are different. Today, the editor will introduce to you a few that only require There are online loans where you can make a payment with a credit card, so what are the places where you can make a payment with a credit card? Today the editor will recommend to you

There are still many online loan platforms nowadays, and the application thresholds are different. Today, the editor will introduce to you a few that only require a credit card to make a payment. Online loans, so which places can be used to make payments with a credit card? Today, the editor will recommend some online loans that you must take out if you have a credit card.

1. Apply for Fenqile immediately

Fengqile is a shopping mall-type consumer installment loan with a maximum loan limit of 50,000 yuan. It is very easy to apply for online loans with credit cards. You can apply directly for Le The repayment period is up to 18 months, and the product limit can be used for shopping or cash withdrawal.

2. Apply immediately for Huanbei

Huanbei is also a relatively old credit card loan opportunity. If you have a credit card, you must take out an online loan. The loan limit is generally around 20,000 yuan, with a maximum of 20 Ten thousand, the usage period is 1-12 periods, and users aged 22-50 who have credit cards can apply on the same day and the money will be deposited into their account.

3. Xiaoqingdai

This loan is newly launched and is a new product of CreditEase. It has different quotas with other products of CreditEase. It is less than 30,000 yuan and has a validity period of 12 months. You can apply with a credit card, and the payment is relatively high. It should be noted that this credit check is done online.

4. Yifenqin

Yifenqian is a large-amount installment loan under Lakala. It is also relatively old. Users with credit cards can borrow up to 100,000 yuan, and the usage period is 3- 12 months, this product is also a loan from a formal licensed institution, so you need to have a good personal credit report when applying.

5. Tongsongdai

Tongsongdai is an old website that has been online for a long time. The payment rate has always been relatively stable. The website has now canceled Taobao certification and basically has credit cards. You must place a loan. The maximum loan limit is 50,000 yuan and the maximum period of use is 12 months. There is no credit check when applying, but credit checks from hundreds of banks will be made. Please pay attention to repay the loan on time.

The above are all online loan options that must be applied for if you have a credit card. Friends in need can refer to them. These are all loan products of formal licensed finance, and some of them have certain requirements for credit reporting. Yes, you need to check the credit report and pay attention to the loan contract when applying. For users with good credit report, it is easy to get the loan.

What is the difference between credit card (debit card) borrowing and online loan?

The main difference between credit card (debit card) borrowing and online loan is that credit card (debit card) borrowing You must have a credit card (debit card) to apply for money, but the application threshold for online loans is lower, and you only need to have a bank card to apply. At the same time, credit card (debit card) borrowing is provided by banks, and online loans are provided by financial institutions. Therefore, there is a clear difference between borrowing money by credit card (debit card) and online loans.

Users with average or poor credit qualifications can try to apply for online loans. Users with good credit qualifications and a credit card (credit card) can apply for a credit card (debit card) loan. money.

What are the online loans that can be used with credit cards? Pay attention to these matters

Many people think that credit cards can be used to make purchases and withdraw cash, but they don’t know that credit cards can also be used for online loans. Especially if you can’t repay your purchases using credit cards, you can borrow money from online loans. Repayment. And there are many such online loans, which can help everyone avoid overdue credit cards. Let’s take a look at what they are.

What are the online loans that can be used with credit cards?

After the online loan we often use is successfully processed, the money is transferred to the provided collection savings card, and you can use it however you want.

However, online loans that use credit cards are different. They can only be used for special purposes. The payment card provided when applying is a credit card, not a savings card. After the loan is disbursed, the money will be used for repayment in the credit card. If you want to withdraw it, you can only use the credit card. Cashed out.

So this point must be clear before taking out a loan, so as not to be in trouble if you originally borrowed money for other purposes but ended up having to pay off your credit card. If you plan to borrow money to repay a credit card, you can take a look at these online loans:

1. Huanbei Huanbei is an online loan operated by Chongqing Focus Co., Ltd. and Shuhe Technology to repay credit cards. They all have formal financial licenses, and I often see advertisements for Huabei in elevators. The slogan is "Interest only requires about 50% of the lowest annual interest rate for bank repayments." The maximum limit is 50,000. It has been online for 4 years. There are still many people applying.

2. Weilefen

Weilefen is a product of Tenpay Micro Loan. It is also an online loan that uses credit cards to borrow money. Users in need can follow it on WeChat The "Weilefen" public account is opened and used. However, Weilefen adopts a whitelist invitation system, and it can only be activated if it meets the conditions. If it cannot be activated, it means that it does not meet the requirements for the time being.

The last thing I want to say is that borrowing online loans to repay credit cards only treats the symptoms but not the root cause. It is best for everyone to control their consumption desires, consume within their capabilities, and at the same time find ways to increase their income. Address the root cause of the problem.

Comprehensive list of credit card online loan platforms! There are so many platforms available!

For those who have a credit card, you can use the credit card as proof of your credit. Therefore, there are many online loan platforms that you can apply for with your credit card. Today, I will introduce to you a comprehensive list of credit card online loan platforms.

1. Baoyin Consumer Finance

Baoyin Consumer Finance is also a platform where you can borrow money with a credit card. You can repay the credit card and withdraw cash. The loan period is up to 12 periods, and the maximum credit limit for repaying the credit card is 5 0,000, and the maximum cash credit limit is 200,000.

2. China Merchants Bank E Loan

Application conditions: You need to have a CMB credit card that is in normal use and has no bad repayment record.

You can flexibly choose the repayment method, in which interest will be charged at a daily rate of 0.05% at any time; if you repay in installments, you will need to bear a monthly fee not higher than the monthly rate.

3. Pudong Development Bank Universal Gold

Application conditions: Hold the Shanghai Pudong Development Bank main credit card, use it normally, and have no bad records.

The loan amount ranges from 1,000 yuan to 300,000 yuan, and the loan period can be selected from 1 to 99 days. Interest is calculated on a daily basis starting from the application date. The standard daily interest rate is days. Each application is repaid. There is a one-time handling fee of 10 yuan.

4. Suning Pay at will

Pay at will by Suning Consumer Finance Company, which has the characteristics of low threshold, large limit, fast payment, many discounts and flexible payment. Generally, the amount you apply for for the first time with Suning Pay will be relatively low, ranging from about 3,000 yuan to 8,000 yuan. For some well-qualified users, the amount can be higher, reaching tens of thousands. Frequent use of discretionary payment and multiple installments will help to increase the amount.

The above is the relevant introduction, I hope it can be helpful.

What is a credit card loan?

Credit card loan is actually an online loan platform for advance consumption. Credit card loan is a way to promote online loans to the masses through an advertising platform. , so many people often receive such text messages in daily life. These text messages are spam messages. If you receive such text messages, you must not believe them. If there are links, you must not click them. You must be more vigilant and prevent personal information. quilt.

Extended information

1. What does credit card loan mean?

Credit card loans, namely cash installments, are credit card personal cash consumer financial products launched by banks. Within the available limit of the credit card, the user can apply to the card-issuing bank for a credit card cash withdrawal amount, and then pay in installments. After the system automatically approves the payment, the funds will be transferred to the bank's debit card in the customer's name, and the bank will charge the installment fee according to the agreed period and rate.

2. What does credit card post-loan management mean?

Post-loan management is a process in which banks review the credit status of their own bank and other banks in order to prevent risks. If the bank discovers through post-loan management that a user has used a credit card illegally, the bank may reduce the user's limit or block the card in order to control risks. Therefore, when users purchase and use credit cards, they must use them correctly and standardly.

3. Precautions for using credit cards

1. Credit card, also called credit card, is a non-cash transaction payment method and a simple credit service. Many friends do not know that novices Let’s take a look at what precautions you should take when using a credit card.

2. If you repay in full and on time, you will be free of interest. If you repay the minimum payment on time, you will be charged a daily interest rate of 5/10,000, starting from the date of consumption recording.

For late repayment, in addition to the above-mentioned interest, there are also late fees. Know the two important dates of your credit card.

3. If you don’t know the monthly statement date (also called the reconciliation date) and the final repayment date, you can call customer service and ask. The credit card center number is on the back of the card.

4. Ask the bank to send statements on time every month. If it is inconvenient to receive paper letters, ask the bank to send an email instead to understand the minimum handling fee for each credit card withdrawal.

Some of the 5 online loan platforms that provide loans with credit cards can even grant loans for 4 years!

Nowadays, credit cards are very common in our country, and many people have 3-4 credit cards in their names. While everyone uses credit cards for overdraft consumption, they also use credit cards to apply for loans. So, what are the online lending platforms that use credit card loans? Today, I will introduce to the majority of credit card holders 5 platforms that meet everyone’s requirements.

Tiqianhua

Tiqianhua is an online loan platform of Zhongyuan Consumer Finance. You can try it if you have a good credit card usage record. The loan limit for Qianqianhua can reach 200,000 yuan, and online applications are available 24/7.

Ping An i Loan

The fastest review time is 3 minutes. The results can be reviewed immediately after submitting the application. The daily interest rate of Ping An i Loan is approximately Applicants must be over 18 years old, have a stable job with a salary of more than 3,000 yuan, have worked for at least 6 months, and have good credit.

Xiaomi Loan

Xiaomi Finance’s small loan product can lend up to 200,000. You only need to install the Xiaomi Loan mobile APP and verify your personal information to apply. Some users may not have permission. , the daily expected annualized interest rate is based on daily interest calculation, and monthly repayment is in the form of equal principal and interest.

Weilidai

The mobile credit loan of Weizhong Bank, a subsidiary of Tencent, is available only if it meets the opening conditions of Weilidai. The maximum amount can reach 300,000 yuan, and the loan interest is daily interest. The annualized interest is about 18.

Jingdong Gold Bar

The loan limit of Jingdong Gold Bar is relatively large, up to 200,000 yuan. You can borrow money by binding your own bank card or credit card. The better your credit, the more credit you will get. The larger the amount.

Interest is calculated on a daily basis, and the daily interest rate is between. Generally speaking, the better your personal credit, the lower the loan interest rate will be.

That’s it for the introduction of credit card loans and online loans.