1. ICBC's credit loans have access conditions, that is, it needs a good credit record and stable income to qualify for credit loans.
2. ICBC needs to provide my household registration certificate to prove personal identity information and apply for a loan.
3. ICBC needs to provide valid and legal identification for handling credit loans, and ICBC requires the loan applicant to provide identity information to verify the applicant's identity. Effective legal identification is one of the basic conditions for ICBC's credit loan application.