Wangjie Dai has limited uses. Can it be used to pay off credit cards?

The Agricultural Bank of China's NetJie Loan cannot be used to repay credit cards. It can be used for consumption to purchase bulk commodities, travel, decoration, etc. It cannot be used to repay loans and credit cards, and cannot flow into the stock and real estate market. After successfully applying for Agricultural Bank of China's online credit loan, online credit will be issued in cash. The loan funds can be used for personal consumption and cannot be used in investment, financial management, real estate and other fields. At the same time, they cannot be used in relevant national laws, regulations and credit policies. Prohibited Uses. Once any violation of the usage of funds is discovered, our bank will take measures in accordance with the provisions of the contract to recover the loan in advance.

After disbursing money from online merchants, it is best for users to transfer the money from the receiving bank card to other bank cards, and then use other bank cards to repay. It is also possible to repay the credit card directly with the receiving bank card, but it cannot be ruled out that it will trigger the risk control of online merchant loans. Therefore, a safer approach is for users to transfer more times, so that the monitoring of online merchant loans will become smaller. Of course, there are also many users who directly use the receiving bank card to return the credit card, but no risk control is triggered. It can only be said that these users are more lucky.

1. What are the requirements for NetJie Loan?

1. Have applied for a personal loan at Agricultural Bank of China

2. The loan account specified in the loan contract of the debit cardholder signed by the debit cardholder is in normal condition.

3. All loans associated with the contracted debit card have no overdue loan principal and interest.

4. Other conditions stipulated by the Agricultural Bank of China.

2. Agricultural Bank of China online loan application materials

1. The borrower’s legal and valid identity certificate.

2. Personal guaranteed loan contract or maximum guaranteed personal loan contract and other contracts and related agreements.

3. Debit card used as a personal loan contract lending account.

4. Other information required by the Agricultural Bank of China.

3. Reasons for rejection of Agricultural Bank of China's online loan approval

The approval of Agricultural Bank of China's online loan is determined based on the comprehensive evaluation of the loan applicant. The bank's comprehensive scoring factors include: 1. Credit 2. Asset income. 3. Debt situation (expenditure) 4 Family structure 5 Social status (including work, legal person) If one of these or the comprehensive score is too low, then the application for the Agricultural Bank of China Express Loan will be rejected.