The prepayment operation of ICBC credit card cannot be revoked. You need to abide by the relevant provisions of ICBC's Notice on Installment Payment and return the advance payment in time before the repayment due next month. Failure to repay in time will result in corresponding liquidated damages and penalty interest, which may affect personal credit investigation. If you can't repay due to financial difficulties, it is recommended that you bring your valid personal identification and credit card to the local card issuer for face-to-face communication and consultation as soon as possible. Whether the repayment can be negotiated is subject to the notice of the card issuer.

Car loan card generally refers to the bank card that the user returns the car loan. This card can be a credit card or a savings card. For example, if the user handles the credit card installment business, then the monthly car loan needs to be paid back. At this time, the car loan card is a credit card. The user applied for a car loan from the auto consumption finance company and repaid the car loan with a savings card.

When the car loan card is a credit card, the card can only be used to repay the car loan and cannot be used for other consumption purposes.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Many fund demanders are very casual when signing bank loan agreements. In fact, this natural and unrestrained behavior shows that they lack a good sense of financing and financial management, and often pay more interest when lending, resulting in artificially "high interest rates."

Because some banks' loan forms will make fund demanders pay more interest invisibly. For example, loans that retain the balance of deposits and loans that withhold interest.

The so-called retained deposit balance loan means that when the fund demander obtains a loan from the bank, the bank requires him to retain a part of the loan principal and deposit it in the bank account, so as to limit the fund demander from repaying the loan principal and interest on schedule.

But for those who need funds, the discount of the loan principal is equivalent to paying more interest.

The so-called interest deduction loan means that some banks deduct all the loan interest from the lender's principal when issuing loans to ensure that the loan interest can be repaid on time.

Because this method will reduce the loan funds available to the fund demanders and objectively increase the financing cost of the fund demanders.