If you have a Bank of China credit card, you can have the opportunity to apply for BOC e loan, with a maximum of 300,000 yuan, which is suitable for working people's capital turnover. It is important to note that BOC eLoan must be used only for the specified purpose. Some people may want to use BOC eLoan to pay off their credit cards. So, is it feasible to do so? A take a look at.
1, what are the uses of the BOC e loan amount?
e loan belongs to the bank's consumer funds, can only be used for personal consumption, such as household appliances consumption, family consumption, medical consumption, car consumption, wedding consumption, student consumption, travel consumption _ and so on, are available. But it is not allowed if it is used in non-consumption areas such as home purchase, stocks, futures and other equity investments.2. Can I repay my credit card with BOC eLoan?
Applying for an e-credit, you can transfer the entire amount, or part of it, to a Class I bank card in your name provided by the cardholder, and you can use it when it arrives, so you can also take it to pay off your credit card. You can directly transfer money from your savings card to your credit card to pay it off, and you can also take it out and deposit it in your credit card account at the ATM. Although, e loan repayment credit card from the operation is possible, strictly speaking is not considered personal consumption, the bank may at any time want the cardholder to upload consumption vouchers, if the cardholder to the bank to provide repayment vouchers, may not be recognized. Once the bank believes that the cardholder did not agree to the e loan for the specified purpose, it is likely that the contract will be terminated early, so that the cardholder to pay off the remaining principal + fees, no money to pay off, it will be overdue, the consequences of overdue like what affects the credit, resulting in penalties, and so on, not to say that we should know.How is the Bank of China's BOC E-credit limit related to my credit card limit?
Because the pre-credit limit is a preliminary estimate based on the bank's data, and when the customer formally activates it, he/she will have to check the loan and credit card in real time and make deductions for the consumer loan and cash installment, so the actual available credit limit for the final approval may be lower than the pre-credit limit. Please refer to the final activation amount result.
The above is for your reference, please refer to the actual business regulations.
If you have any questions, please feel free to contact Bank of China online customer service.
You are cordially invited to download and use Bank of China Mobile Banking APP or BOC Cross-border GO APP to handle related services.
Bank of China ePay card is and credit card *** with credit limitBank of China credit card limit *** enjoy under the name of the same person, including the name of the mobile payment of the device card, please call the Bank of China credit card customer service hotline for more details.
The above is for your reference, please refer to the actual business regulations.
If you have any questions, please feel free to consult Bank of China online customer service.
You are cordially invited to download and use Bank of China Mobile Banking APP or BOC Cross-border GO APP to handle related business.
Does eRecruitment Loan **** with credit card limit? These matters should be notedMany banks' credit cards have a hidden line of credit, which can provide large cash installment business for cardholders to solve their cash flow problems. For example, China Merchants Bank eCredit, is one of them. And many people see eCredit as a derivative product of credit cards, they want to know whether the eCredit credit line will be and credit card **** enjoy, here is a look.
Chinese bank e move loan credit *** enjoy?
Although eCredit is a credit card exclusive large amount of cash installment business, but its amount is independent, and is not included in the credit card limit, there is no need to worry about the use of eCredit will lead to a reduction in the credit card limit, because there will be no limit *** enjoy this problem.An example:
Suppose your credit card limit is 30,000 yuan, the bank gave 50,000 e-recruitment credit, you will be 20,000 yuan of the application to transfer to the bank card, the credit card available limit is still 30,000 yuan, e-recruitment credit available limit has become 30,000 yuan. You can still use the credit card overdraft to consume 30,000 yuan, 20,000 yuan of e-recruitment credit line to the account can apply for cash, the same can also be consumed, the total amount of available credit becomes 50,000 yuan. It is important to note that the eCredit application will open a separate account, is reflected in the form of an electronic credit card in the credit report, after the application is successful, in the credit report of the borrowing information, it will show two China Merchants Bank credit card account opening, quota use, repayment and so on, so that it will increase in the China Merchants Bank's total credit limit, means that the cardholder's risk of default is relatively large. China Merchants Bank credit card wants to raise the amount is very difficult, even if your card behavior meets the requirements of the amount, the bank will not raise the amount of money, so the e-recruitment loan is also known as a small black house, we still need to consider before applying for a clear.