年底手头紧?缺钱花?银行人员:用我这招,30万额度信用卡秒批

作者: 发布时间:2017-12-09 17:20:35  来源: [手机访问]
导读: 日前,互联网金融风险专项整治、P2P网贷风险专项整治工作领导小组办公室正式下发《关于规范整顿“现金贷”业务的通知》(下文简称《通知》),至此,现金贷的监管

日前,互联网金融风险专项整治、P2P网贷风险专项整治工作领导小组办公室正式下发《关于规范整顿“现金贷”业务的通知》(下文简称《通知》),至此,现金贷的监管终于一锤定音,一切幻想终归于破灭。

年底手头紧?缺钱花?银行人员:用我这招,30万额度信用卡秒批?

导致很多小贷口子都下不了款了,那些以贷养贷的借款人已经傻眼了,只能等待逾期了!

每家银行,基本都有相关的信用卡贷款,如大家常听到的有:好享贷、新快线/圆梦金、e招贷、备用金、万用金等等。

有些贷款,必须要有信用卡才可申请,有些贷款,没有信用卡也能申请。

以交行为例,交行的好享贷必须有信用卡才能申请,而且你必须通过养卡养出来,而交行的天使贷,没有信用卡也能申请。

但是,你得记牢了,这个无信用卡能申请的贷款,一般要求都很高,本科学历那是最低标准。

所以说,不是所有的口子都是我们能撸的。

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年底手头紧?缺钱花?银行人员:用我这招,30万额度信用卡秒批?

今天,我给大家解析下13家银行相关的贷款,大家要了解清楚每家银行有哪些贷款。

总是有人在问,我到底该申请哪家的信用卡,用哪家的信用卡贷款比较好呢?

适合自己的就是好的,一定要结合自己的条件去申请,当然,如果能选择一个利息低,还款期限长,额度高的当然是好事。

大家最好选择你流水大的银行申请,这样一般成功率比较高,或者选择养卡养的比较好的。

当然这些都是理论,一般申请信用卡贷款,根本没有你选择的余地,好多能养出来就很不错了。

因为大多数人都是资质一般的群体,让银行追着给你给信用卡贷款的人,很少。

写这篇文章的目的,是为了让更多的人对信用卡背后的贷款有大致的了解,避免很多人每天跟着中介的广告走。

其实银行的贷款就是这些,看到广告,首先要理智,分析一下,然后去申请相关贷款即可。

而中介的广告无非就是,如广发财智金最高能操作30万、浦发万用金最高能操作 30 万、交通好享贷最高能操作15万、中信新快线圆梦金最高能操作50万、 光大乐惠金最高能操作30万、民生通宝卡最高能操作100万等等。

然而,广告永远是换汤不换药,贷款还是那个贷款,广告内容不同而已。

下面给大家普及下每家银行的贷款。

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年底手头紧?缺钱花?银行人员:用我这招,30万额度信用卡秒批?

一、工商银行

工行逸贷、融e贷(网银或者手机网银申请),工行逸贷、融e借、工商银行的逸贷,特别麻烦,你得有网上消费工资流水方可申请。

二、建行银行

建行快贷一共有3款产品,分别是快e贷,融e贷,质押贷, 具体操作方法不再多讲。

三、农行银行

网捷贷,房贷的二次贷,农行网捷贷是需要受邀客户才可以申请的, 房贷还款2年左右就会有额度,申请K宝对农行信用币有利于提额。

1、农行网捷贷额度及期限。贷款额度:1-300 万,贷款期限:1- 60个月。

2、农行网捷贷审批被拒的原因。农行网捷贷审批是根据贷款申请人的综合评估情况决定的, 银行的综合评分因素包括如下:

1)信用,2)资产收入,3)负债情况(支出)4)家庭结构, 5)社会地位(包含工作,还是法人),如果其中一项或是综合评分过低,那么申请农行网捷贷将会被拒也是正常的。

3、农行信用币申请方法如下:

手机端相关软件----- 点击信用卡------信用币,如果有额度可提现到支付宝。额度最高一万,如果你有信用卡,那么这个额度是和你信用卡的额度共享的。

1)最好跟农行有交集,比如:有农行的打卡工资,流水,或者农行的房贷。

2)建议在提现之前, 有一张农行的储蓄卡, 余额宝里最好存有2000-4000-4000-4000-4000-4000-4000-4000-4000-4000-4000-4000-4000-4000-4000元。

信用币提现支付宝失败该怎么做? 如果自己最近征信有逾期,芝麻分有降分,花呗,借呗,有逾期套现,都会影响这笔钱到账支付宝账户。

所以建议各位,最好使用农行的打卡工资卡片,或者农行好一点的流水储蓄卡。

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四、交通银行

1、储蓄卡用户通道: 手机端相关软件

2、信用卡通道:交 手机端相关软件,申请好享贷、天使贷。

五、邮政银行

邮政银行的贷款有:中邮消费金融-中邮钱包、360借条。

中邮消费金融,支付宝-生活号里添加这个窗口,芝麻分660才能申请,负债高的别搞了。360借条就不多讲了,之前有专门文章讲解过。

六、中信银行

中信的贷款分别有:快易贷、新快现/圆梦金、秒秒贷。

新快现/圆梦金:优质客户出圆梦金过3-5天左右就会出新快现,额度不共享。

不是优质客户的话,出了新快线也是和圆梦金共享的,一般信用卡额度低1w 以下,至少6个月左右出额度,3 万左右的优质客户2个月就可以出,具体新快线/圆梦金怎么养,看之前技术文章。

七、光大银行

光大的贷款分别有光大瞬时贷款、随心贷。光大储蓄卡,可以办个阳光令牌,有个随心贷,秒查征信秒批或者秒拒。

八、招商银行

招商备用金30万、e招贷30万、汽车分期最高150万,闪电贷50万,招联好期待30万。

1、网站直接在线申请贷款。

2、信用卡客户到手机端相关软件申请招商e招贷、现金分期。

3、招商的招联金融-好期贷,招联消费金融有限公司,由招商银行旗下香港永隆银行与中国联通共同组建,注册资金20亿元,双方各占 50%股权。新出的贷款如招商银行E闪贷。

九、民生银行

1、申请条件:年满 18 周岁的自然人; 有稳定职业和收入; 具备购房资格; 借款人及其配偶信用记录良好; 已签订购房合同协议或认购书,支付了首付款。 要求还是很高的。

2、申办流程:1)可以到民生银行的任一营业网点申办。 2)贷款流程,贷款申请→贷款调查→贷款资料采集→贷款审批、签约→办理抵押物→抵押登记或质押物冻结手续→贷款发放。

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十、平安银行

平安银行贷款有备用金、零用金等,当然平安的贷款还是比较多的,平安易贷火爆了好久,其他如车贷房贷等,大家去官网自行了解。

十一、广发银行

1、广发财智金,一般情况是能做到卡原额度的3到5倍,财智金的钱直接转到储蓄卡里面的, 而且是可以循环做的。

2、有财智金的,先给他转到储蓄卡里面,然后接着给这个客户存钱或者客人自己存刷出来再做分期,做完分期的第二天再打电话给客服,让他再次申请财智金,一般的情况下,只要你做过分期肯定会有财智金的(广发就喜欢客户分期)

3、没有财智金的,不能做的先看看他的用卡情况,必须无超限,无逾期,最好是没有临时。因为临时是占用额度的,如果客户自己有分期那就更好了,如果没有分期,先看看客户能不能做分期,能做的立即给他做分期,一般的做完分期的肯定有财智金的。

十二、浦发银行

浦发的贷款分别有:小铺红贷、浦发青春贷、浦发点贷、浦发银行倍富金、浦发万用金,其中以万用金最为火爆,也是很容易养的,最高30万,都可申请。

十三、华夏银行

华夏有个贷款教易达金,最快当天到账,持有华夏银行信用卡且是优质客户可以试试。大家想办信用卡、花呗信用卡变现、贷款,或者对信用卡有什么不懂的都可以yunfu0990一起交流探讨!

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