how much can I borrow from ICBC's credit card? Mainly depends on the product

ICBC's credit card has many functions, besides overdraft consumption, it can also handle some financing business, which can be regarded as taking credit card loans. Many people want to know how much money they can borrow. It depends on what kind of business they handle. There are three products to choose from, and the loan amount is different. Let's take a look.

1. Financing e-loan

This is the most similar to ICBC's credit loan, and it is an additional credit card special installment limit provided by ICBC. The maximum amount is 3, yuan, and the amount given by the bank is different with different qualifications, but it is generally slightly higher than the credit card limit, at least 1, yuan, and it will not occupy the credit card limit after handling.

ICBC's E-Loan is famous for its low interest rate. From February 8 to March 31, 22, the new application for E-Loan can be given a fixed preferential price at the annual interest rate, which can be considered by friends who need funds.

2. Emergency money

is actually the overdraft transfer service of ICBC's credit card. Except for the different handling methods, it is no different from credit card cash withdrawal. The quota is linked to the credit card quota. The maximum application amount is 5% of the available quota, that is, a credit card with 1, yuan, of which only 5, yuan can be transferred to the savings card at most.

urgent money is paid daily, with a daily interest rate of .5% and a transfer fee of 1%, because it must be repaid in full on the last repayment date, which is only suitable for short-term.

3. The incidental payment

refers to the cash installment business of ICBC's credit card, which is only applied by the main cardholder (except for individual cards such as easy loan and official business).

the limit is also related to the fixed amount of the credit card. The maximum limit is 5% of the total amount of the credit card, and it does not exceed RMB 1,. There are several periods of 3 months, 6 months, 9 months, 12 months, 18 months, 24 months and 36 months to choose from, and interest-free and free installment fees are required.

can I borrow money with an industrial and commercial credit card?

yes.

1. installment amount: the starting amount for cash installment is 6 yuan.

2. Number of installments: Cardholders can apply for cash installment business of 3, 6, 9, 12, 18 and 24, and can repay in full or in part in advance without extension.

3. application channel: cardholders can apply through the channel of business outlets.

4. Card types that can handle cash installment

ICBC credit card (including dual-currency credit card, multi-currency credit card and RMB credit card, excluding special products such as Easy Loan Credit Card and Official Card and credit card products as otherwise agreed) personal card master card.

Extended information:

When handling cash installment, the cardholder is deemed to have applied for credit line adjustment at the same time, and has the right to evaluate and decide whether to adjust the credit line of the credit card according to the credit status of the cardholder and the use of the credit line. Whether the cardholder accepts the adjustment of the credit limit of his account by our bank or not, the cardholder is responsible for paying off the arrears that have occurred.

the cash installment business charges the cardholder the cash installment fee according to the current installment business charging method.

if the cardholder cancels the credit card for the whole household during the repayment period, the outstanding installment balance and the remaining unpaid handling fee in the successful cash installment business must be paid off in advance.