For users who have just bought a house, the most troublesome thing is not the mortgage, but the decoration funds that are difficult to raise for a while.
So at this time, many people will apply for decoration loans, so how to check how much is left of the CCB decoration loan?Today, the eight yuan network will explain the query strategy for you, welcome everyone to collect**!
Before understanding the inquiry method of renovation loans, we can first understand how decoration loans are used:
1. After the activation + card binding is completed, you also need to take the initiative to apply for loan to the bank account manager.
2. After the bank successfully disburses the loan, the app will not show what your limit is, and the limit will notify you by SMS. Every subsequent purchase + balance will be notified to you via SMS.
After the above operations are completed, the loan can be used, and the decoration loan is divided into online use and offline use
Online use can be used on e-commerce platforms such as JD.com, Pinduoduo, Douyin and other e-commerce platforms to bind online banking for online shopping.
Offline use is very simple, bring a special credit card, and pay by card in the MCC merchant category of the decoration category.
PS: MCC code means English phrase: abbreviation of merchantcategorycode (literally translated as merchant classification **) Chinese called: merchant category code making agency: China UnionPay (China unionpay).
So how to check the remaining available amount and monthly repayment amount of the renovation loan?There are generally two ways to do this:
1. Call CCB customer service **95533 (credit card service) and select manual service inquiry.
2. Log in to the CCB Mobile Banking App, search for "Credit Card Package" at the top of the APP homepage, and select the corresponding decoration installment card to know the remaining available limit, the validity period of the credit limit and the monthly repayment amount of the decoration loan.
Many friends often have 2 problems after the loan:
1. The mobile banking inquiry limit is still 0
This is due to the fact that although the decoration loan is a large credit loan, it is a special loan, and the amount is also a special amount.
It is not a credit card limit, and the loan is successful when you receive the SMS. If you want to check the balance, you need to call CCB 95533 customer** to inquire.
2. The credit card prompt exceeds the limit and cannot be used.
When swiping the card, if you encounter this situation, please check whether the merchant's POS machine is a regular POS machine, and individual merchants handle third-party POS machines, commonly known as "code hopping machines", this kind of machine will randomly replace the merchant's MCC code during the card swiping process.
That is, it may be adjusted to the merchant MCC code that does not comply with the transaction process, which will prompt that the excess limit cannot be used.
Solution: Swipe a small amount to see if the POS machine is a code hopping machine. Inform the merchant that my card slot is a CCB decoration installment card, and let the merchant change the POS machine.
The above is the specific content of how to check how much is left of the CCB decoration loan, I hope it can help friends in need. If you want to know more about the relevant knowledge, you can continue to share the relevant knowledge about the decoration loan with you every day to help you better understand the decoration loan.