1. The ICBC car loan has been approved, but the issuance process of the car loan credit card takes time. The credit card only needs to be made and the card needs to be mailed, which takes about a month.

2. Car loan refers to a loan granted by a lender to a borrower who applies to purchase a car. Car consumption loans are a new loan method that banks issue RMB-guaranteed loans to car buyers who purchase cars at their authorized dealers. The interest rate of automobile consumer loans refers to the ratio of the loan amount to the principal issued by the bank to consumers, that is, borrowers, for the purchase of personal cars (non-profit family cars or commercial vehicles with 7 seats or less).