What types of Ctrip financial loans are there? Understand the product features in one article!

When talking about borrowing money, the first thing that many people think of is banks, or some familiar lending platforms. In fact, in addition to these, there are many institutions that also offer loan products based on their own customer groups. For example, the Ctrip platform, which is common in travel and travel, has related financial loan services. A user asked, what types of Ctrip financial loans are there? So let’s briefly introduce the product and related features to you.

What types of Ctrip financial loans are there? 1. Borrowing money: The credit limit ranges from 3,000 to 30,000 yuan. If the user obtains the credit limit after applying for approval, he or she can use it for travel expenses and wait until the repayment date before repaying the loan. Borrowing Flowers is a joint venture between Ctrip Finance and major financial institutions that features high amounts, low interest rates, fast approval times, and automatic repayment. Users are required to be over 18 years old, have a good credit report, and have a stable job income. If the user approval is not passed, it may be that the credit status does not meet the conditions and can be improved before coming back. 2. Take it and spend it: This product is a joint venture between Ctrip Finance and licensed institutions. The maximum limit is 200,000, with a maximum interest-free period of 40 days. Users can pay first and then repay in installments. The loan period is 3-36 months. Requirements The user's application age is between 22-55 years old. Users must repay on time after borrowing money. Products and services are subject to credit reporting. The user's usage and repayment behavior will be recorded on the credit reporting report. It would be bad if a tainted record is left. In addition, I would like to remind everyone that when using the product, do not place orders at will to test whether the product supports consumption, log in to change devices in other places, frequently use products to pay, etc. It is easy to trigger risk control and prevent you from using it even if you have a quota.

Summary: As far as loan products are concerned, Ctrip Finance mainly offers two products: borrowing to spend and taking to spend. Users can apply according to their own needs and scenarios. If you don’t want to apply for a loan, Ctrip Financial Platform also provides credit card services. It is a combination of Ctrip platform, banks and card organizations. You can enjoy all-round platinum service rights before, during and after travel. It is a card with obvious travel characteristics. . The above is the answer to "What types of Ctrip financial loans are there?" I hope you will find it helpful after reading it. In general, Ctrip's financial platform personal credit services include borrowing money, taking money, and credit cards. Considering that the partners are basically banks and licensed institutions, we specially remind everyone to pay attention to the use and repayment. Maintain your credit during the payment period.