Ronge loan is a personal credit loan brand of ICBC, which refers to unsecured and unsecured RMB loans issued by ICBC to borrowers who meet certain conditions for personal legal and compliance purposes. Successful loan application is irrevocable, and the money will be transferred to the debit card account specified at the time of application.

Credit card refers to a bank card with a certain credit card limit, which can be repaid first and then repaid. The card not only has the functions of deposit and withdrawal, transfer and consumption, but also can enjoy various forms of points, discounts, promotions and other activities.

1. Electronic loan is a business aimed at target customers. Please refer to the ICBC system for application. You can go to the outlets for consultation through online banking, mobile banking, smart terminals, ICBC e-students, e-links or with your valid ID card.

2. The conditions for applying for a credit card are as follows: 1. Must be a natural person with full civil capacity at the age of 18 (inclusive); 2 must meet the fixed residence or work unit in the location of the card issuer, the income is stable and above the local average. Log in to ICBC e Life and select "Finance-Card Handling" to apply immediately. ICBC will review your comprehensive asset credit, subject to the actual approval results.

To apply for ICBC Financial E-loan, the following conditions must be met:

1. China citizen with full capacity for civil conduct 18 years old or above.

2. The applicant's work unit or habitual residence should be in the location of the loan issuing institution.

3. Have a fixed job, a stable source of income or a reliable repayment guarantee.

"ICBC Financial E-Loan" has the following characteristics:

First, the price is low, the loan is 1 1,000 yuan, and the daily interest rate is about 1 yuan, which is lower than the interest rate of similar loans in the market.

Second, the term is long, with the longest loan term of five years and the longest grace period of 12 months.

Third, customers can get online one-click loans through online banking or mobile banking.

Fourth, repayment is more flexible. Customers can choose four repayment methods: matching principal and interest, average capital, installment repayment and one-time repayment of principal and interest to better meet the multi-level and diversified consumer financing needs of different groups.