1. How to get an ICBC loan

ICBC offers a wide range of loans. You can log on to the official website of ICBC (www.icbc.com.cn), click Deposits and Loans, and click To apply for a loan, check the types of ICBC loans. Since the types of loans vary from branch to branch, you can call ICBC unified customer service 95588 for consultation. ICBC launches personal credit card loan e-Debit, which is a personal credit loan brand of ICBC. The maximum term is generally 2 years, and some customers can enjoy a maximum term of 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: February 7, 2023. In case of business changes, please refer to the actual situation.)

2. How to borrow an ICBC credit card loan?

ICBC credit card loan process is as follows:

1. First, the cardholder downloads the ICBC Mobile Banking APP.

2. Then open and log in to the ICBC Mobile Banking APP. If it is the first time to log in, you should also complete the registration first.

3. After logging in, find the "Credit Card" option on the home page of mobile banking.

4. Click the "Credit Card" option to enter. After entering the page, you can see the "Cash Installment" option, click "Cash Installment".

5. You can see the available loan amount and click "Apply Now".

6. Fill in the amount to be borrowed according to the prompts on the page, select the repayment method and loan period, then enter the mobile phone number, enter the correct verification code, and click "Next" to submit the credit card loan application.

3. Dear, ICBC has an e-loan, but I don’t have a credit card. Can it be approved?

ICBC will determine whether you can apply for ICBC e-Loan (personal credit loan) based on your comprehensive situation, and it has no direct relationship with whether you have a credit card. It is recommended that you apply for ICBC's various financial products or businesses and accumulate good personal credit, which will help your application.

(Answer time: August 14, 2019. In case of business changes, please refer to the actual situation.)

4. How can I get a loan if I have an ICBC credit card?

Which one