Is it legal for CITIC Cash Loan to require you to upload proof of consumption?

It must be compliant, because according to the requirements of the above-level supervisors, CITIC cash installment vouchers must be provided on time.

The amount of the uploaded consumption voucher cannot be less than 90% of the loan amount applied.

Failure to upload the voucher may result in China CITIC Bank requiring the user to settle all outstanding payments in one lump sum.

China CITIC Bank Credit Card Cash Installment refers to the large-amount "borrow cash, repay in installments" credit card cash installment service provided by the credit card center for eligible high-quality credit card holders, cardholders apply through a computer, mobile phone or ****, and the money will be transferred to your debit card or CITIC Blue Card account in real time.

Cash installment, also known as cash installment, is generally applied for by the credit card holder, or the issuing bank actively invites the cardholder to apply, converts the credit limit in the cardholder's credit card into cash, transfers it to the designated debit card (the Bank or other banks), and divides it into a specified number of months and installments for repayment.

In order to face the increasingly fierce credit card cash-out, many banks, such as Huaxia Bank's Yidajin business, after reviewing the applicant's relevant qualifications, transfer the credit card credit line to the applicant's account in installments, providing disguised fund cash.

Extended Materials. Consumption vouchers include receipts or invoices after consumption, if consumption is carried out on the network and no valid invoices or receipts can be issued, consumption flow can be used as consumption vouchers.

It can be divided into two main categories: original vouchers and accounting vouchers. The so-called original voucher, also known as document, is filled in when economic business events occur or are completed, used to prove that economic business events have occurred or completed, in order to clarify economic responsibilities and used as the original basis for bookkeeping, it is an important information for accounting.

The so-called accounting voucher refers to the accounting voucher that the accounting personnel classify according to the content and nature of the economic and business matters according to the original vouchers and relevant materials that are verified and correct, and determine the accounting entries as the basis for the registration of accounting books. In the whole accounting process, the accounting voucher is the first pass, if the voucher used is false or illegal, then the whole accounting cannot be true.

If China CITIC Bank does not upload the consumption voucher, it will settle the bill at one time, and the amount will also be affected in the future.

Yes. After the user uploads the consumption voucher, the staff will review it, and the consumption voucher that meets the requirements will pass the review, and the bank will let the user upload the consumption voucher again if the consumption voucher does not meet the requirements.

Extended Materials. Bank loans.

It refers to an economic behavior in which the bank lends funds to those in need of funds at a certain interest rate in accordance with national policies, and repays them within an agreed period.

Bank loans generally require guarantees, mortgages, and proof of income.

Only those who have good personal credit can apply.

Credit Terms. 1. Credit line.

The line of credit is the maximum amount that the borrower is allowed to borrow as stipulated in the agreement between the borrower and the bank.

2. Revolving credit agreement.

A revolving credit agreement is a legal commitment by a bank to provide a loan to an enterprise up to a certain maximum limit.

3. Compensatory balance.

A compensatory balance is a minimum deposit balance that the bank requires the borrower to maintain with the bank calculated by a certain percentage of the loan limit or actual borrowing amount (generally 10% to 20%).

How to repay the loan more economically?

Compared with the two repayment methods, under the condition of full period repayment, "equal principal and interest repayment method."

The interest paid is higher than the "equal principal repayment method."

However, not everyone should choose the "equal principal repayment method" to repay the loan, and it should also be taken into account their own financial situation.

For high-income people and people with diverse incomes, the "equal principal repayment method" can be adopted;

If you have more cash strength, but you are not making early repayments.

You can use the "equal principal repayment method" to repay the loan, and gradually reduce the repayment of each installment over time, although this repayment method has greater financial pressure in the early stage, but can reduce the pressure in the future.

If you are a civil servant, an ordinary teacher, an ordinary researcher, or have a stable job, or require a simple life, it is recommended to choose the "equal principal and interest repayment method", because this repayment method has the same repayment amount in each period, which is conducive to better arranging your life in advance.

Also, remember to pay your loan early.

The interest paid is non-refundable, and if you want to repay the loan early, you should consider the sum of the principal and interest repaid and the principal that needs to be repaid at one time when you repay the loan early.

, and then choose the "equal principal repayment method" or the "equal principal and interest repayment method".

In addition, as a financial planner, I would like to remind all those who want to repay their loans early to consider the opportunity cost of prepayment.

The voucher for uploading consumption will be reviewed, and you need to upload the official voucher.

1. Requirements for loan vouchers

1. Purpose of the loan.

The purpose of the loan must be consistent with the purpose of the funds for which the user applies for the loan, for example, if you choose household appliances and furniture, you need to provide the VAT invoice of the electrical appliance company.

2. The amount of the voucher.

The face value of invoices, receipts, electronic vouchers, etc. cannot be lower than the amount required by the bank, generally speaking, the bank will require 90% or more of the loan amount, such as borrowing 100,000 yuan, the face value of the bill cannot be less than 90,000 yuan.

3. Voucher time.

The voucher time needs to be later than the loan processing time, and the consumption voucher cannot appear before the loan application.

4. Voucher type.

Generally speaking, the type of purpose voucher supports invoices, receipts, POS receipts, online consumption records, etc., and for cash transfer vouchers such as transfer records and contracts, it is often not possible, of course, the policies of each bank will be somewhat different.

2. How to solve the problem of uploading vouchers for loans?

1. Negotiate with the bank.

After all, not everyone has the habit of keeping consumption bills, and it is recommended to negotiate with the bank's customer service to see if you don't need to upload the consumption voucher in your hand. If it is rejected, see if you can ask the bank for some time to prepare the bill.

2. Reissue bills.

If the bill is lost or you forgot to issue the invoice before, it is recommended to contact the merchant to apply for a replacement.

3. Collect bills.

It is possible to collect bills whose consumption time is later than the loan application time, the bill type is consistent with the loan application fund user, and the amount is also in line. Before collecting, it is recommended that users consult the bank first, and the specific types of bills that meet the requirements can allow users to avoid some detours.

3. What happens if I don't upload the loan certificate?

1. If the user fails to upload the consumption voucher within the specified time period, the bank may determine that the user has not used the funds according to the purpose of the application, and there is a suspicion of illegal use. It is very likely that the bank will recover the loan funds in advance and require the user to settle it early.

2. After the loan is settled in advance, it is necessary to repay the remaining principal and interest in a lump sum, and if the repayment ability is insufficient, it will lead to overdue and affect personal credit.

3. It may be blacklisted by the bank, which will affect the user's credit business in the bank, and if it is a cash loan handled by credit card, it may affect the use of the credit card limit, such as reduction, limit, etc.

Many people go to the CITIC Bank credit card when they need a large amount of money in their lives.

Cash installment, it can help people spend easily, so there are many customers who handle this cash installment business. However, many people say that they have received a notice from China CITIC Bank, saying that they want to upload the consumption voucher using cash installment, so what is the cash installment consumption voucher of CITIC Bank credit card? What should I do if I want to upload a voucher?

What is the CITIC Bank Credit Card Cash Installment Voucher?

The reason why China CITIC Bank requires customers who have applied for China CITIC Bank's credit card cash installment to upload consumption vouchers is because the CBRC wants to prevent the inflow of credit card funds** or real estate, so the CBRC issued a routine spot check task to banks.

If you receive a message that requires you to upload proof of spending, you will need to upload an invoice for the use of these funds.

What should I do if I upload the consumption voucher in cash installment of China CITIC Bank credit card?

1.If you have used the funds and keep the invoice, you can take a picture of the invoice and upload it. China CITIC Bank is required to provide more than 90% of consumption vouchers.

2.If you haven't used much of your CITIC Bank credit card cash instalment, you can provide your debit card.

The account balance and the voucher for the spending section will be on it.

3.Many people do not receive information until they have used it for a long time, and they do not usually have the habit of keeping invoices. If this happens, you can choose to repay the loan early.

The above is the answer to "What is the CITIC Bank Credit Card Cash Installment Consumption Voucher?" What should I do if I want to upload a voucher? In fact, the consumption voucher of the cash installment of the CITIC Bank credit card is the invoice for us to use these funds, which is actually just a routine inspection by the bank.

If you don't have an invoice, you can choose to repay the loan in advance or call ** to negotiate with the customer service staff, which is not a big problem.

Summary. Hello, there are several solutions to upload consumption vouchers for loans: try to find bills with similar amounts, times, and consumption locations, and the total amount is greater than or similar to the loan amount.

If you do not ask for an invoice after consumption at that time, you can go to reprint it later, or ask the merchant for invoices, receipts, receipts, contracts, etc. Consult customer service, explain the specific situation, and see how you can remedy it because you have forgotten or lost it due to your carelessness, such as providing transaction records. Check the loan contract to see if there is any advance notice to keep the proof of consumption after each purchase, and pay attention to the retention time.

Hope this information is helpful to you. 

Hello, there are several solutions to upload consumption vouchers for loans: try to find bills with similar amounts, times, and consumption locations, and the total amount is greater than or similar to the loan amount. If you do not ask for an invoice after consumption at that time, you can go to the follow-up to make up for it, or ask the merchant for invoices, receipts, receipts, contracts, etc.

Consult customer service, explain the specific situation, and see how you can remedy it because you have forgotten or lost it due to your carelessness, such as providing transaction records. Check the loan contract to see if there is an advance notice that the consumption voucher must be retained after each consumption, and note the retention time. Hopefully, this will be helpful to you.

Because of carelessness, what should I do if I can't find the receipt.

If you don't have a receipt, you can try the following methods: If you spent through an electronic payment method such as WeChat or Alipay, you can export your missing consumption bill, or it can be used as a consumption voucher. If you made the purchase by bank or credit card, you can check your bank statement or use it as a proof of spending.

If you made the purchase in cash, you can contact the merchant who made the purchase to see if you can reprint the invoice or provide other forms of proof. If none of the above is possible, you can explain the situation to the lender to see if you can accept other methods of verification, such as providing the goods or services you are consuming.

Credit card spending history is not acceptable.

Credit card consumption records can be used as a kind of false search and burial of consumption vouchers, but whether it is acceptable depends on the requirements of the lending institution. You can consult customer service first to see if they are bad or not. If not, you can try other methods, such as providing a leaky invoice or contract.

Is it just an invoice for the purchase of something?

Is it okay to have an invoice for the purchase of furniture.

Invoices for the purchase of things and invoices for the purchase of furniture can be used as a kind of consumption voucher, as long as it can be proved that your loan funds are used for legitimate consumption purposes, and are not used for investment and financial management, gambling and other violations. You can upload a high** or scanned copy of your invoice to your lender for review.

Major banks and financial institutions are becoming more and more strict in monitoring loan funds, and many institutions will require that after a period of loan issuance, the voucher must be uploaded, otherwise the loan will be withdrawn immediately. Since most people are not prepared for this, they will be caught off guard, so how to solve the problem of uploading vouchers for loans? There are several solutions, you can take a look.

1. Proof of loan purpose

In order to prevent the borrower from using the loan funds in places where the bank and the state prohibit the letter, many banks require the borrower to upload the purpose voucher from time to time, which can prove the specific consumption area of the borrower, and the relevant situation can be judged according to the time and amount.

Therefore, if the bank or financial institution requires the borrower to provide a proof of use, it must be satisfied as much as possible, otherwise it may be required to settle in advance and the loan amount will be withdrawn.

2. How to solve the problem of uploading vouchers for loan code canzao?

1. Negotiation. Many people do not have the habit of keeping consumption bills, if the personal qualification and credit situation are good, you can negotiate with customer service, saying that you forgot to print invoices and bills, to see if you don't need to upload them.

2. Make-up. If the invoice can be reprinted within a certain period of time, it is recommended to recall the place of consumption and go there to apply for a reprint of the invoice, which can still be successful.

3. Organize bills.

You can find bills with similar amounts and locations at the same time, as long as the total amount is about the same as the loan amount, pay attention to consult the requirements of the lending institution, because some bills are not available, such as receipts or supermarket invoices, etc., are not recognized, so it is better to ask in advance.