As for how to balance the credit card and e-loan limits, many people find it difficult. You can try the following methods:
1. Apply for a second card. After applying, it should be the same as the previous credit card limit, and then the second card can be adjusted to the same amount as the Rong E loan in the app.
2. If someone lends out all of the Rong E loan, they can level the credit card limit and then pay it back in full. The disadvantage is that I lose some handling fees. My understanding is that if you can borrow from Ronge, you can level it. If you can't borrow it, you may not be able to level it!
1. What is e-borrowing?
Rong e-loan refers to unsecured and unsecured RMB loans issued by ICBC to borrowers who meet specific conditions for personal legal and compliance purposes.
2. 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.
3. Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.
4. Basic conditions for credit card limit adjustment business
1. The card has been activated for more than 90 days;
2. The card is used in good condition and all repayments are made on time;
3. The card and account status are normal.
Except for card types that are otherwise specially stipulated by ICBC, if you meet the relevant conditions, you can log in to ICBC e-Life to adjust the limit through the following path: Finance - Adjustment (within the system prompts) or you can also adjust the limit through Try self-service operations through mobile banking and other channels. You can also call the customer service hotline 95588 to apply for a balance adjustment through self-service voice or transfer to manual service (except for special cards). You can also apply in person at a local ICBC acceptance branch with your card, valid ID and relevant financial proof. Adjust the amount.