What conditions does China Merchants Bank need to pass the lightning loan?

Hello, the lightning loan of China Merchants Bank needs to meet the following conditions before it can pass: the borrower is a customer of China Merchants Bank Card. The borrower's loans and credit cards at China Merchants Bank are not overdue. The borrower is over 18 years old. The borrower's credit status is good. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business.

At present, you can apply or inquire whether it meets the requirements through mobile banking. The application mode of lightning loan mainly includes the following aspects: If you receive the short message from China Merchants Bank, congratulations. You are the invited user of lightning loan. Then if you are not an invited customer, you can't handle it. After receiving the message, click Enter to get the quota. Just because mobile banking has a flash loan line doesn't mean you can really apply. This is really difficult. It is best to have a mortgage, a car, a stable job and a good personal credit.

1. After the lightning loan is completed, the cash will be distributed to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested, flowed into the stock market, real estate and other directions. If you have a savings card of China Merchants Bank, you can log in to the mobile banking and click "My → All → Loan → Lightning Loan" to apply for lightning loan. Your specific quota will be approved according to your business situation in China Merchants Bank. You can view it after the application is successful. Different types of lightning loans have different credit lines. Generally, the maximum credit line does not exceed 300,000, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. 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.

2. There are two ways to apply for a loan within the lightning loan limit: automatic lending within 5- 15 minutes, immediate lending after approval, and SMS notification of the result. T+ 1 day payment: within t+ 1 day, payment will be arranged after telephone confirmation. If you still don't reply after three effective contacts, the application fails and you need to apply again. Tips: If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. You cannot directly query the approval progress. Subject to the examination and approval results. When establishing the lightning loan line, there will be a credit inquiry record. If you only set the quota successfully without quitting: there will be no quota record in the credit investigation; After each withdrawal, there will be a loan record in the credit report.

3. What if China Merchants Bank fails to apply for a lightning loan? Repair the credit information. Applying for a quick loan requires a good credit investigation. If you have a credit stain, you must solve it all before applying. In addition, don't have too many loans and credit cards in your name, which will lead to high debt ratio. Improve your financial resources. If you have extra funds, you can try to deposit some funds in China Merchants Bank to buy investment, wealth management and insurance products, which will help improve the activity of your account. Irregular inspection. Because the lightning loan is automatically audited by the system, sometimes it will fail, sometimes it can, so download an app of China Merchants Bank and check it from time to time.