According to the inquiry of ICBC official website, applicants who apply for credit cards can bring their ID cards and credit cards directly to the counter of the issuing bank for settlement vouchers.

The function of the settlement certificate is to prove that your loan in the financial institution has been paid off. Simply put, it is a certificate. With this certificate, you can prove that you have paid off the loan and are eligible to get back what you mortgaged when you borrowed it.