To successfully apply for e-financing, you need to pay attention to the following points:

1. Maintain good credit. Lending institutions have very high requirements for personal credit, and users with good credit have a higher application success rate.

2. Become a high-quality customer of ICBC. Rong e-Loan is an online unsecured and unsecured consumer loan launched by ICBC, so the applicant's personal credit report is key. If there are overdue or other bad records in your credit report, you don’t need to apply, because you will definitely be rejected.

3. Reduce debt ratio. If the debt ratio is too high, the bank will feel that the applicant has insufficient repayment ability and refuse to grant the loan. If users want to successfully apply for e-financing, they must first understand their debt ratio and reduce their debt according to the situation, such as canceling unused credit cards after paying them off, or returning part of the debt to reduce their debt ratio.

4. The credit card limit does not occupy the e-loan limit. The limit of ICBC e-loan and credit card are unlimited, so if you want to successfully apply for ICBC e-loan, you can choose to reduce the limit of your credit card under ICBC. For example, you can pay off part of the debt and provide some credit limit.

5. Aged between 18-60 years old. The work unit or fixed residence is at the location of the card issuer. Have a regular job, a stable source of income or reliable repayment security.