1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and Hong Kong, Macao and Taiwan residents who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence.
2. Have a valid identity certificate and proof of marital status.
3. It has legal business qualifications and fixed business premises, and can provide legal business licenses (or business licenses for merchants, booths, industries, etc.). ) and the property right or contract lease certificate of the business premises.
4. Have the ability to repay the loan principal and interest in full and on time.
5. It has a good credit record and repayment willingness, and the borrower has no bad credit record in China Industrial and Commercial Bank and other known financial institutions.
6. Obtained a credit rating of D or above in China Industrial and Commercial Bank.
7. In addition to credit, legal, effective and reliable loan guarantees recognized by China Industrial and Commercial Bank can be provided.
8. Open a personal settlement account in China Industrial and Commercial Bank.
9. Other conditions required by China Industrial and Commercial Bank.
The above is the relevant information about ICBC's micro-credit card processing conditions.