How to get an ICBC credit card loan? A little troublesome but very economical!

Credit cards have appeared in our country for many years, and the number of people who have credit cards is very large. Many cardholders want to apply for loans through credit cards, but cannot do so. Today I will take the ICBC credit card as an example and tell you how to get a credit card loan. Friends who need a loan can learn about it.

The main product provided by ICBC credit card loan is e-installment. e-Instalment provides you with RMB loans of more than 10,000 yuan, using the method of installment repayment. You can freely choose the number of installments from 6 to 36, and the loan rate can be discounted to How to get a loan.

1. Submit a loan application

I bring my ID card and ICBC credit card to the nearest ICBC branch to submit a loan application. If you don’t have an ICBC credit card yet, you can apply for an e-installment credit card immediately.

2. Approval of down payment

ICBC will take some time to review your e-installment loan application, but the time will be very short. Once the loan application is approved, the funds will arrive in your account in real time.

3. Loan use

After everyone’s funds arrive, you can use a special debit card to make purchases. The main purposes of loans are car purchase, renting a house, education, travel, home improvement, wedding, etc.

In general, ICBC credit card loans are a bit troublesome to apply for, but the loan interest rates are very favorable, which is very attractive to borrowers.

Can I get a loan with an ICBC credit card?

Can I get a loan with an ICBC credit card? You can use your credit card to apply for e-loan. Rong e-loan is ICBC’s credit card loan product. It is unsecured, unsecured and purely Credit. The loan amount applied for is up to 800,000 yuan. The actual loan amount is determined based on the qualifications of the loan applicant. The maximum loan period is 5 years. If you have needs, you can download the Industrial and Commercial Bank of China APP to apply online. Click "Loan" in "Favorites" at the application entrance, and you will see "E-Borrowing" at the entrance.

How to apply for ICBC? There are these types to choose from!

Industrial and Commercial Bank of China is a well-known financial institution in China. It has many high-quality credit products. For ordinary users, the best way to solve financial problems is to quickly withdraw funds, low interest rates, and convenient application. . Today I will introduce how to handle ICBC.

1. What types of ICBC are there?

1. Credit card installment plan

If you have an ICBC credit card in your name, you can make good use of this financial tool and apply for an ICBC credit card installment plan. If your credit is good, the payment will be made very quickly. However, it should be noted that whether it is a credit card installment or cash withdrawal, handling fees and interest will be involved.

2. Personal mortgage loan

Personal mortgage loan is also relatively simple to apply for. As long as the borrower can provide loan collateral recognized by the bank, he can apply for the loan. Generally speaking, the higher the value of the loan collateral, the higher the loan amount the borrower can apply for, and the higher the loan approval rate.

3. Credit loans

ICBC also has some pure credit loans. You can apply quickly as long as you provide personal information and credit report. However, the loan interest will be higher than that of mortgage loans and the limit will be higher. It is relatively low, which borrowers need to pay attention to.

2. How to apply for ICBC?

1. The borrower applies for a loan to ICBC and submits the loan application form and relevant materials;

2. After reviewing the borrower’s materials, ICBC will contact The borrower signs a loan contract and issues the loan amount in accordance with the contract;

3. After the bank releases all the loan funds to the borrower's personal account in accordance with the contract, the borrower must follow the loan contract on time The amount of loan principal and interest repayment.

Industrial and Commercial Bank of China Personal Credit Loan

Rong e-Borrow is a personal credit loan brand of ICBC, with a term of up to 2 years, and some customers can enjoy a term of up to 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: March 15, 2022. In case of business changes, please refer to the actual situation.)

About the loans provided by ICBC credit cards and the loan business provided by ICBC credit cards The introduction ends here. Did you find the information you need?