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I want to apply for a national student loan from Bank of China, but I have a bad record of overdue withdrawal of ICBC credit cards. Does this affect the approval?
Hello,

The student loan is a special loan guaranteed by the national reputation. The overdue payment of your ICBC credit card will not affect the application for student loan.

In addition, the application procedure for student loans is different from other loans. Generally, the school is required to intervene in the form of a third party. You can learn more about the specific application process through the school, but don't worry, the previous credit card records have no influence.

Supplement:

If there is no repayment on the 15th day after each bill date, it will be a record of default.

but it doesn't matter. you can make it up now.

Credit card repayment can be made without going to the card office. You can just deposit the money in any ICBC, and the handling fee is also free. Just go to the ICBC near you for consultation, sooner rather than later.