How to get a quick loan of 50,000 yuan using ICBC credit card? Try this!
In the minds of many borrowers, ICBC is a god-like existence, mainly because of its high value in credit cards and ultra-low loan and installment interest rates. Let’s put it this way, ICBC’s handling fees and interest rates are the highest among all banks. The lowest, unless there are special activities or offers from other banks.
Everyone should have a deep understanding of how difficult it is to borrow money nowadays. When borrowing money from relatives and friends, the interest rate is not cheap and it is difficult to ask. Therefore, I suggest that if you have the opportunity, try to apply for an ICBC or CCB credit card. You must maintain high frequency of use and must not exceed the expiration date! Be sure to make timely repayments.
If you have an ICBC credit card, how can you quickly get a loan of 50,000 yuan?
1. Maintain the frequency of use of ICBC credit cards
No matter whether you have used it before, it must be used, and the amount and frequency should be maintained;
2 , financial assets
You can choose some ICBC financial investments, deposits, precious metals, etc., and invest appropriately;
3. Rong e-shopping mall
If you want to buy something, Or if a friend wants to buy something, he or she can do it on their behalf and place an order on ICBC e-gou;
When you are almost done with the preparations, you can apply for ICBC ICBC e-loan. The interest rate of this product is super low, and you can still use it when there are events. You can place a loan at a level close to the base interest rate.
Notes:
1. The receiving debit card cannot be bound to a bank-securities transfer type to prevent the loan from being used for stock investment;
2. The e-loan limit is generally 80% of the ICBC credit card limit. If the ICBC credit card limit is too low and the applied limit is too high, it may not be successful.
Application channels: All-Deposits-Loans-E-Lending-Loan Application
You can also submit an application by following the ICBC WeChat official account
ICBC Credit Consumer Loan How to apply
If you have a credit card or debit card (deposit card) at ICBC, you can log in to ICBC online banking to apply for a personal credit consumption loan by yourself.
Personal credit consumption loan
1. Product introduction
Personal credit consumption loan refers to a personal credit consumption loan issued by our bank to borrowers who meet specific conditions. Unsecured and unsecured RMB loans for personal legal and compliant consumption purposes.
2. Product Features
Fast, self-service operation, fast payment;
Discount, low rates, the lowest is 4.785% during the discount period, and the lowest is 6.525 during normal times %;
Flexible, equal principal and interest, and support for 6-month grace period repayment;
High amount, RMB 600-300,000;
Pure credit , unsecured and unsecured.
3. Application conditions
1. Chinese citizens with full capacity for civil conduct, aged 18-60 years old;
2. The applicant’s employer or The habitual residence should be at the location of the loan-issuing institution;
3. Have a fixed job, a stable source of income or reliable repayment guarantee;
4. Other conditions stipulated by ICBC.
IV. Loan Period
The maximum period of personal credit consumption loan is 2 years, and no extension is allowed.
5. Repayment Methods
The repayment methods of personal credit consumer loans include:
1. Repay in equal monthly installments (the monthly repayment amount is the same) ;
2. If the application period is more than one year (inclusive), you can apply for a grace period. No repayment is required for the first 6 months, and repayment will be made in equal installments every month thereafter. The loan interest collected during the grace period ("grace period interest") will be amortized and repaid in subsequent periods. Our bank will calculate and collect based on the remaining unpaid grace period interest. Compound interest;
3. Early repayment.
Customers can agree on the repayment method with our bank according to their needs.
The limit of personal consumption credit loan is 80% of the credit card limit of an individual with ICBC.
The specific operations are as follows:
Open ICBC Online Banking - Favorites - Loans - Credit Consumer Loan - Apply Now - Enter, login password, verification code - Log in to ICBC Online Banking - Fill in the loan amount ( Not less than 600 yuan) - Select the loan period - Select whether to apply for a grace period - Select the purpose of the loan - Select the collection account - Select the repayment account - Get the verification code - Enter the verification code - Check I have read and agreed to the "Industrial and Commercial Bank of China Personal Credit Consumer Loan Agreement" - Next step - Fill in the borrower information - Fill in the contact information - Insert the USB shield - Confirm - Confirm - Enter the payment password of the U shield - Confirm - Press OK twice - Complete.
After a few minutes, you will receive a text message indicating that the loan was successfully disbursed.
Log in to ICBC Online Banking - Loans - My Loans - My Credit Loans - you can see the loan contract amount, loan balance - contract status: Disbursed.
The loan balance can also be seen in the loan account.
You can also log in to online banking first - Loans - Apply for Loans - Credit Consumer Loans - Apply Now
After completing this operation, you can directly click on the application result query - Query - and wait for the text message to be received You can see that the loan has been successfully disbursed by pressing the query button several times.
How to get an Industrial and Commercial Bank of China loan
1. Local bank branches; 2. Staff of local bank credit card centers; 3. ICBC and China Construction Bank support official website applications. Application conditions: 1. Be at least 18 years old; 2. Have stable repayment ability. Submit proof: 1. ID card; 2. Proof of work or income; 3. Work phone number, home phone number and personal mobile phone number; 4. Tax payment certificate; 5. Proof of assets such as real estate, vehicles, etc. under your own name; 5. Credit cards from other banks, etc. . Each bank has different standards for importing documents, so not all of the above information is required. It depends on the bank's requirements. Proof of employment or income is very important. In order to control risks, banks attach great importance to the repayment ability of the cardholder. The information you submit will make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it will be for the bank to issue the card. First, go to a credit card salesperson or lobby teller to fill out an application form. If they see that your conditions are likely to approve the card, they will usually ask you to fill in the application form. After filling in the form, you will have hope. Then submit the above information and wait for the bank's approval to see if the card is approved. The card limit depends on the bank's overall score for you.
How to get an ICBC credit card loan? A little troublesome but very economical!
Credit cards have appeared in our country for many years, and the number of people who have credit cards is very large. Many cardholders want to apply for loans through credit cards, but cannot do so. Today I will take the ICBC credit card as an example and tell you how to get a credit card loan. Friends who need a loan can learn about it.
The main product provided by ICBC credit card loan is e-installment. e-Instalment provides you with RMB loans of more than 10,000 yuan, using the method of installment repayment. You can freely choose the number of installments from 6 to 36, and the loan rate can be discounted to How to get a loan.
1. Submit a loan application
I bring my ID card and ICBC credit card to the nearest ICBC branch to submit a loan application. If you don’t have an ICBC credit card yet, you can apply for an e-installment credit card immediately.
2. Approval of down payment
ICBC will take some time to review your e-installment loan application, but the time will be very short. Once the loan application is approved, the funds will arrive in your account in real time.
3. Loan use
After everyone’s funds arrive, you can use a special debit card to make purchases. The main purposes of loans are car purchase, renting a house, education, travel, home improvement, wedding, etc.
In general, ICBC credit card loans are a bit troublesome to apply for, but the loan interest rates are very favorable, which is very attractive to borrowers.
How to apply for a loan at ICBC?
ICBC has a wide range of loan categories. You can log on to the official website of ICBC (), click Deposits and Loans, and click Apply for a Loan to view the types of ICBC loans. Since the types of loans are different for each branch, you can You can call ICBC unified customer service 95588 for consultation.
ICBC launches personal credit card loan e-Loan. Rong e-Loan is a personal credit loan brand of ICBC with a term of up to 2 years, and some customers can enjoy a term of up to 5 years. The maximum self-service application limit is 200,000. After the application is successful, the loan limit will occupy the credit card limit. Please refer to the actual application for details.
You can apply through online banking, mobile banking, ICBC e-Life, and ICBC e-Link, or you can go to any ICBC branch in another location with your valid ID and card or apply through the branch's smart terminal.
(Answer time: April 15, 2022. In case of business changes, please refer to the actual situation.)
Introduction to how to get loans with ICBC credit cards and how to get loans with ICBC credit cards. That’s it. Did you find the information you need?