ICBC's credit card may not be able to use e-loan, because it needs to meet other conditions stipulated by the bank, such as China citizen with full civil capacity, age 18-60 years old; The applicant's work unit or habitual residence should be in the place where the loan issuing institution is located, and other conditions stipulated by the bank are finally met.
Icbc credit card can increase the chances of users opening e-loans, but it is not the most important. E loan is handled without any guarantee or mortgage. Loan amount: Borrow from 600 yuan, with a maximum amount of 800,000 yuan. Interest is calculated on a daily basis after borrowing, and no penalty is required for early repayment. It should be noted that the repayment of arrears must not be overdue.
Loans borrowed by Rong E can be used in different aspects, such as home improvement, tourism and shopping consumption. When borrowing money, you can choose different repayment methods, such as matching principal and interest, average capital, paying interest once on schedule and repaying principal and interest once; When choosing, you should fully consider your income.
After financing e-loan, it must be repaid on time, and there can be no overdue repayment. There will be penalty interest after overdue repayment, and the longer the time, the more penalty interest will be generated. Moreover, after the deadline, the bank will upload it to the credit information center, and personal credit information will affect the handling of various loans, such as car loans and mortgages.
Can ICBC credit cards be used for loans?
ICBC's credit card can be used for loans. You can apply for an electronic loan by credit card. E-loan is a credit card loan product of ICBC, which is unsecured, unsecured and pure credit. The loan amount applied for is as high as 800,000 yuan, and the actual loan amount depends on the applicant's qualification. The longest loan period is 5 years. If necessary, you can download the China Industrial and Commercial Bank APP online application. Click "Loan" in the "Favorites" of the application portal, and you will see "Rong E Loan" at the portal.
ICBC's credit card has a limit, but it has not been activated. Can I borrow e?
Rong e loan can be used after it is opened, but it needs to meet certain conditions when it is opened, such as 18-60 years old, having a fixed job, a stable income source or reliable repayment guarantee. Finally, the user's credit information must be good. If the personal credit information is bad, the e-loan cannot be opened and the bad credit information cannot be changed.