There are many credit card loan products of China Merchants Bank, such as e-loan, car installment and so on, as well as installment shopping and cash advance.

1, e-loan, e-loan is a cash credit business provided by China Merchants Bank Credit Card Center for eligible cardholders. You can freely choose to repay at any time or in installments. This product can get cash by transfer without reservation and mortgage guarantee.

2. Shopping by installment, whether it is household appliances, digital products, department stores, fitness, wedding dresses, education and other large-scale consumption, you can use credit cards to pay by installment. At the same time, there are large online shopping malls such as Suning and Gome.

3. Platinum installment card. The maximum credit line of platinum installment card can reach 300,000 yuan. When the total consumption amount reaches 300 yuan or 2000 yuan, it will be automatically phased, and you can enjoy the exclusive preferential rate of Platinum Staging Card.

4. Cash in advance. Pre-borrowing cash is the basic function of China Merchants Bank's credit card, and cardholders can obtain funds by cash withdrawal or overdraft transfer. The handling fee for cash advance is 65,438+0% of the cash advance, and the minimum handling fee for each advance is 65,438+00 RMB.

5. Car installment. Car installment is the credit card car loan business of China Merchants Bank. Holders of China Merchants Bank credit cards can handle car installment business. Car staging requires at least 30% of the car price (the down payment of some models is as low as 20%).

Can I get a credit card loan? _ What is the loan amount?

Credit card loan means that the bank gives credit card installment quota according to the credit status of the credit card holder, without occupying the credit card's own quota, and the cardholder can repay the loan in installments after swiping the card. Common credit card loans include Shanghai Pudong Development Bank Universal Fund, Guangfa Bank Financial Fund, Bank of Communications Enjoy Loan, China CITIC Bank New Express, and Dream Scholarship.

Pufa general fund

Pufa Universal Fund is an installment loan that exceeds the credit line and does not occupy the credit line of the credit card itself. As long as you have both a credit card and a debit card of Shanghai Pudong Development Bank, you can open this business in a short time. The loan amount varies from 1 1,000 yuan to 300,000 yuan according to the qualification of each cardholder. At the same time, the loan amount can only be used for consumption, including but not limited to decoration, wedding, car purchase, home appliances, tourism, medical care and so on. Can not be used for investment, including stocks, futures, housing and other equity investments.

Guangfa caizhijin

Financial wisdom fund is a kind of cash credit service provided by Guangfa Bank for high-quality cardholders, which is divided into two products: ordinary financial wisdom fund and exclusive financial wisdom fund. Ordinary financial wisdom fund is suitable for users with small capital needs, and the loan period is 3-24 months. The exclusive wealth management fund is suitable for users with large capital needs, and the loan period is 6-36 months. Financial intelligence can only be used for consumer purposes, not for non-consumer areas such as production and operation, investment, debt repayment and lending.

Bank of communications enjoys a loan.

Good loan is a credit installment payment business launched by Bank of Communications. In addition to the original credit line of the card, a separate credit line for non-circulation is added, and the maximum credit line can reach 6.5438+0.5 million yuan. At present, in Bank of Communications, except for official cards, quasi-credit cards, installment cards, BOSS cards, and global cards, other major credit cards can apply for good loans, and the good loan transaction charges 0.72% of the full recorded principal as a handling fee every month.

Cash treasure and Dream Banknotes Newly Launched by CITIC Bank

The new fast loan is a cash installment service within the credit line provided by CITIC Bank to customers. After processing, the money can be transferred to your debit card and repaid monthly according to the prescribed principal and interest.

Yuanmengjin is a credit line provided by CITIC Bank for high-quality cardholders' large consumption. It is an additional exclusive consumption installment quota granted on the basis of the credit evaluation of the cardholder and the permanent credit limit of the original credit card.

Which bank credit cards have loans similar to the universal fund of Shanghai Pudong Development Bank?

1. CITIC Bank New Express

It is a cash installment service specially provided by CITIC Bank for credit card customers. You can apply for new quick money without mortgage or guarantee.

2. The financial resources of Guangfa Bank

This is the credit card service of overdraft transfer and installment repayment provided by Guangfa Bank Credit Card Center for cardholders, and the financial funds can only be used for the daily consumption of cardholders. It is worth mentioning that when applying for a financial intelligence fund, you can choose to borrow it on a natural day or repay it in monthly installments.

3. Bank of Communications enjoys loans.

Enjoy the loan is also a consumer credit product, its maximum loanable amount is 300,000 yuan, and the loan period is 24 periods.

In addition to these three types, the e-loan of China Merchants Bank and the loan cancellation of Shanghai Pudong Development Bank are similar to universal funds.

Extended data:

How to use a credit card loan

According to the credit status of credit card holders, banks will increase the installment quota of their credit cards to meet the needs of cardholders to buy designated brand cars during the disposal period of designated dealers.

Cardholders can repay the car purchase money in monthly installments only by bearing a certain handling fee, which fully reduces the repayment pressure.

Handling fee: You don't need to pay bank loan interest to buy a car by installment with a credit card, but you have to bear a one-time handling fee.

Handling fee = installment amount × cardholder's handling fee rate (the handling fee is included in the first month's bill after installment purchase), and the handling fee rate of each bank is different.

Loan Term: Generally, the longest term of car purchase by installment is 24 months.

Down payment: If you buy a car by credit card, you generally need to pay a down payment of not less than 30% of the car price.

Limit: The bank has regulations on the credit card installment loan amount.