Can I get a loan with my new ICBC credit card (debit card)?

New ICBC credit cards (debit cards) can be used for loans. You can apply for a loan with an ICBC credit card (debit card). ICBC's e-Loan is a credit card (debit card) loan product that is unsecured, unsecured and purely credit-based. The maximum amount applied for is 200,000 yuan, and the maximum loan period is 2 years. Generally, as long as the user is over 18 years old, has a stable job and income, and has no bad credit record, he or she can apply for a loan on the ICBC mobile APP.

Warm reminder, loans made with credit cards (debit cards) can only be paid in installments, and the ICBC e-loan limit is exclusive to credit cards (debit cards).

Can I get a loan with a bank card?

Users can first submit a bank card loan application to the card-issuing bank. Users can handle business at offline counters or online. Then provide the information required by the bank and follow the regulations.

When applying for a loan, you need to provide documents such as income certificate and identity certificate. Generally, the income certificate can be salary statement or self-deposit bank statement, but it cannot only be provided by the bank.

First of all, you can apply through personal online banking: log in to personal online banking, find online loans on the personal page, click "Loan" to find the relevant items and apply. If there is no explanation that the bank does not have relevant services.

You can also apply through mobile banking: after logging in to the card-issuing bank’s mobile banking, you can select the relevant online loan under all service options on the home page to apply; the last step is to bring your documents to the branch to apply.

Can I get a loan with the credit card I just opened?

The credit card (debit card) you just opened can be used for loans. The card-issuing bank has launched related loan services for credit cards (debit cards). As long as the user has a credit card (debit card), he or she can apply. For example, a user applies for a credit card (debit card) to purchase a car in installments and applies for a new credit card (debit card). Although the credit card (credit card) has no repayment record and consumption record, the user can still apply for the installment purchase of a car. .

Of course, the bank will provide a loan limit based on the user's credit situation, and everyone's loan limit is different.

Can I apply for a loan with a bank card?

A bank card can be used to apply for a loan, but a bank card alone cannot pass the loan review.

To apply for a loan, users must meet all the conditions for the loan and provide a bank card in normal condition, so that they have a certain chance of obtaining borrowed funds.

If you only have a bank card and do not meet the loan conditions, you will not be able to obtain borrowing funds. If you meet the loan conditions and pass the review, but the bank card status is abnormal, the loan will fail.

Therefore, a bank card is a necessary condition for applying for a loan. When applying for a loan, users must provide a bank card in normal condition.

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Loans (electronic IOU credit loans) are simply understood as borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest the concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

The "Three Characteristics Principle" refers to safety, liquidity, and efficiency. This is the fundamental principle of commercial bank loan operations. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline.

"

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or to realize cash quickly without loss. , to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis for a bank's continued operation.

For example, if long-term loans have higher interest rates than short-term loans, the efficiency is good. , but as the loan term increases, the risk will increase, the security will decrease, and the liquidity will become weaker. Therefore, the "three characteristics" must be harmonious to ensure that there are no problems with the loan.

Repayment method:

1. Equal principal and interest repayment: that is, the sum of the loan's principal and interest is repaid in equal monthly installments. Housing provident fund loans and most banks' commercial personal housing loans adopt this method. This method has the same monthly repayment amount;

2. Equal principal repayment: that is, the borrower will evenly distribute the loan amount and repay it in each period (month) throughout the repayment period. A repayment method that simultaneously pays off the loan interest from the previous transaction day to the current repayment date. In this method, the monthly repayment amount decreases month by month;

3. Pay interest on a monthly basis. Repay the principal on maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), the loan interest is calculated on a daily basis, and the interest is returned on a monthly basis;

4. Repay part of the loan in advance: The borrower applies to the bank to repay part of the loan amount in advance. The general amount is 10,000 or an integral multiple of 10,000. After repayment, the lending bank will issue a new repayment plan. The repayment amount and repayment period have changed, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.

5. Repay the entire loan in advance: that is, borrowing money. If a person applies to the bank, he or she can repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

6. Borrow and repay: interest after borrowing. It is calculated on a daily basis, and the payment can be settled in one go at any time without penalty.