How to use the CCB pre-approval quota?

How to use the pre-approval quota for decoration installments of China Construction Bank?

The pre-approval limit for Construction Bank's decoration installments will be entered into the user's credit card (credit card). At this time, the credit card (credit card) needs to be swiped at the designated decoration merchants. Non-designated merchants can use it. Unable to consume successfully. After consumption, users need to repay in installments. This is the specific method of using the pre-approval quota for decoration installments of China Construction Bank. Therefore, users must pay attention to the merchants when using it.

In addition, the pre-approved quota for decoration installments of China Construction Bank cannot be withdrawn. Withdrawal is an illegal operation and will be punished if detected by China Construction Bank. How to use the special installment pre-approval quota of China Construction Bank?

The special installment pre-approval quota of China Construction Bank is a quota granted to customers in advance by China Construction Bank. This quota is not the final borrowing quota. The usage of this kind of quota is:

1. Apply for car purchase installment: The special installment pre-approval quota can be used to meet the needs of car purchase. When there is a quota, you can apply for car purchase installment business from the local Construction Bank, so that you can Use special installment pre-approval quota.

2. Apply for renovation installments: Decoration is also a type of large-scale consumption, and the special installment pre-approval quota can be used to apply for renovation installment loan products.

3. Apply for parking space installment: Purchasing a parking space is also a large consumer expenditure. If there is a special installment pre-approval quota, you can apply for special installment business such as parking space installment. At this time, you need to use the special installment pre-approval quota. . How to use the pre-approval quota of CCB Installment Pass? Can I withdraw cash?

When many cardholders apply for installment passes, they will find that the actual approval limit is not as high as the pre-approval limit, or even the pre-approval limit was clearly given but the application was rejected, which feels baffling. In fact, the pre-approval limit is just a reference limit, and the specific limit is mainly subject to bank approval. Now let’s introduce to you what is the pre-approval limit for installment payment? What's the use? Can I withdraw cash? Let’s find out together.

What is the pre-approval limit for CCB Installment Pass? I am a mortgage loan customer of China Construction Bank. I often receive installment loan invitation text messages from CCB. The text message states that I can apply for a consumer installment loan of 150,000 yuan with my ID card. The funds will arrive as soon as the same day, and the handling fee is only a month. I really thought I could borrow 150,000 yuan, but I went to China Construction Bank to check and was told that I could only borrow 50,000 yuan. The limit in the text message is only the pre-approval limit, not the loan limit. The final approval limit will generally not exceed this pre-approval limit. However, there are also many people whose approved amount is much lower than the pre-approved amount or even cannot be approved.

How to use the pre-approval quota of CCB Installment Pass? The pre-approval limit of CCB Installment Pass is only an evaluation limit and cannot be used. Only after you go to a CCB branch to submit an application and it is approved by the bank, the limit given in the review result is the consumption limit you can finally use. This limit cannot be withdrawn or transferred, it can only be consumed by you. After the bank approves the installment pass for you, it will issue a special installment pass debit card and an installment pass credit card at the same time. The applied limit is transferred to the debit card. You can take the card to the designated merchant to swipe the card for consumption. There are a few things to pay attention to when swiping your card: 1. The card can only be swiped at consumer merchants such as department stores, supermarkets, building materials and home furnishings, high-star hotels, high-end restaurants, etc.; 2. It can only be used for large amounts of durable consumer goods, weddings, childcare, and settling down (renting a house). , property, heating bills, etc.), paying taxes (vehicle purchase tax, etc.), health and other consumption. The above is the relevant introduction to "How to use the pre-approval quota of CCB's installment plan?" In short, the pre-approval amount of the installment plan is only a reference amount, not an available amount, so if there is a pre-approval amount but the actual amount is lower, or Don’t be too disappointed even if you are rejected directly. The bank dad is the one who has the real decision-making power.