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哈银有卡贷每笔上征信吗
更新时间： 2020-11-01 00:00:00  

哈银有卡贷每笔贷款记录都会上报征信，上传的记录包括正常贷款记录与逾期贷款记录。正常贷款记录是指每期都按时还款的记录，这种记录有利于维护个人征信。而逾期贷款记录则会对个人征信产生负面影响，从而影响之后办理信用卡、房贷、车贷等业务。

有卡贷可以全流程线上办理，最高可申请20万元循环额度，贷款期限最长24期，日利率低至0.03%。

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