;? ICBC e-Loan is a very popular personal loan product. Many people have applied for this product, and some friends maxed out it during the Spring Festival. At this time, they will worry about whether ICBC e-borrowing will occupy the credit card limit, and how much will it occupy? There is something to be said about this issue. Most banks' credit card installments occupy the credit card limit, and ICBC is no exception. After the installment payment transaction is confirmed, the account will be frozen. If the full amount of one consumption is 20,000 yuan, and the ICBC e-loan limit is 20,000 yuan, and you apply for an installment of 5,000 yuan, the installment fee is then its credit card limit = 20,000-5,000-5,000*. Therefore, ICBC e-loan accounts for the credit card limit. In addition to ICBC, Bank of Communications, China Construction Bank and CITIC will freeze the full amount of the consumption in the account after confirming the installment transaction. Everbright, on the other hand, freezes the entire amount, and the frozen amount is released phase by phase based on the repayment of each installment until the last installment or all installment balances are paid off in advance. Guangdong Development Bank's rules are somewhere between the above two, and the quota is controlled in two ways: freezing or not freezing based on the audit results. In addition to occupying the credit card limit, ICBC e-Loan also has the following characteristics: 1. Low price, with a loan of 10,000 yuan, and a daily interest rate of about 1 yuan, which is lower than the interest rate of similar loans on the market; 2. Long term, the loan The maximum term is 5 years, and the grace period is up to 12 months; 3. Customers can obtain online one-click loans through online banking or mobile banking; 4. Repayment is more flexible, customers can choose equal principal and interest, equal principal, The four repayment methods, including one-time principal repayment with interest and one-time principal repayment with interest, can better meet the multi-level and diversified consumer financing needs of different groups.