ICBC's e-debit and e-installment are products of ICBC's credit card installment, but one is cash installment and the other is consumption installment, and the interest rate is extremely low. Many people want to apply for both, but they are afraid that e-debit and e-installment quota will be shared, and there are not so many available quotas. Let's take a look at them.

Does ICBC share the e-loan e-installment quota?

E-debit is a cash installment business within the credit card limit, which can transfer 100% of the credit card limit to a debit card for cash withdrawal or consumption; E installment line is also a consumption installment business within credit card line, and 100% can be transferred to debit card for consumption.

It can be seen that, after E-borrowing and E-installment are successful, they will all occupy the credit card quota, and they are all installment businesses within the credit card quota, so they are all shared with the credit card quota, which means that the two installment quotas are also shared. No matter which phase is handled, the available quota of the other phase will be reduced.

take for example

Suppose the small ICBC credit card has a quota of 30,000 yuan, but the original e-loan and e-installment can have a quota of 30,000 yuan respectively. But he borrowed all the 30 thousand yuan and transferred it to his savings card. Looking at the E stage again, it is found that the available quota has become 0.

In this case, if Xiao wants to apply for E installment, he must repay part of the loan amount of Rong E, and then apply for E installment after the total amount is restored.

Summary: To sum up, the e-installment quota of ICBC e-loan is shared and closely related to the credit card quota. No matter whether it is for E-borrowing and E-repayment or E-installment, as long as the total amount is occupied, the available amount of another installment business will be reduced, and the amount can only be restored through repayment.