How to use the CCB decoration installment pre-approval amount?

How to use the pre-approval limit of CCB?

The pre-approval limit is a rough estimate of the credit limit by CCB based on your qualifications. The pre-approval limit for different businesses is different.

1. The pre-approval quota for car purchase installments refers to the special quota granted in advance to meet the credit requirements for large purchases when purchasing a car.

2. The pre-approval quota for installment loans refers to the special quota granted in advance to meet daily large-amount consumer credit requirements.

3. The Anju Financial pre-approval quota refers to the special quota granted in advance to meet the credit requirements for large-scale consumption such as decoration and parking spaces.

4. Credit card pre-approval limit is the limit granted in advance by China Construction Bank when applying for a card. The specific approval limit is subject to final approval. This limit can be used for daily card consumption and other transactions.

The CCB pre-approval quota cannot be used directly. It is only an estimated quota, not the final available quota.

You still need to apply for a quota from China Construction Bank. The quota after approval is the final available quota. How to use the pre-approval quota of CCB Anju Finance

CCB will pre-approval a special installment quota for customers. The quota can be used to handle special installments of CCB, such as car purchase installments, decoration installments, installment passes, etc. Specific suggestions You can go to your local CCB branch for detailed consultation.

The CCB pre-approval quota will not be approved next time. After the bank receives the customer's application, it will make a comprehensive score based on the information provided by each person. Now it cannot judge whether the application can be successful. If necessary, you can provide proof of financial resources in your name when applying, such as real estate or car ownership. It is helpful for credit card and limit review. When the credit card is approved, there will be a text message prompt. After receiving the text message, you can check the limit again. Text message is the most convenient. Use the mobile phone number reserved when applying for the card and send "313# last four digits of the card number" to 95533 to check the card. available credit limit and cash withdrawal limit.

How to check the pre-approval limit:

1. Download: China Construction Bank APP on your mobile phone;

2. Bind it with your China Construction Bank and Log in with the mobile phone number that has been used for mobile banking. If it is the first time to log in, you can use your ID card or log in directly with your bank card;

3. Click "Credit Card" at the bottom of the screen and scroll down to find "Credit Card Management". Scroll to the second page to see the pre-approval quota;

4. Click on the pre-approval quota to check whether you have a quota.

For more information on how to use the pre-approval quota for CCB Anju Finance, enter: View more content How to use the CCB special installment pre-approval quota

The CCB special installment pre-approval quota is granted in advance by CCB The customer's limit is not the final borrowing limit. The usage of this kind of quota is:

1. Handle 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 to the local Construction Bank for car purchase installment business, so that you can use it 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. Let me 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.