What does ICBC Yidai mean?

ICBC Yidai is a consumer credit service provided by ICBC in conjunction with certain rules for users who hold the bank’s debit or credit cards. . A single purchase of over 600 yuan can be applied for, and the maximum loan amount for a single household can reach 600,000 yuan. Both debit and credit cards are accepted. When applying for Yidai for the first time, you need to sign a relevant agreement. After signing the agreement, you can check the loan limit. The checked limit is only a reference. The final limit depends on the allocation of the banking system. The loan period is up to 3 years, and no appointment is required for repayment. You can borrow and repay at any time. Repayment can be handled through online banking, mobile banking, SMS banking, and over the counter.

ICBC Yidai is unsecured, does not require providing information, and does not need to wait for loan approval. The processing method is convenient and fast. If you use a debit card (or passbook) to make purchases and apply for Yidai, the balance of your own funds in the payment account cannot be less than the transaction amount.

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ICBC Easy Loan application conditions: Natural persons aged 18 (inclusive) to 70 (inclusive) with full capacity for civil conduct; users with good credit, such as those who meet the conditions of ICBC Salary payment agency users, etc.; ICBC debit card (or passbook) or credit card holders. What is the business of ICBC Yidai?

“Yidai” refers to the instant application provided by our bank to customers who hold our own bank debit cards (passbooks) or credit cards and make purchases through special merchant POS or B2C purchases at ICBC cooperative malls. Credit-based consumer credit services that are issued instantly. What is Yidai?

Question 1: What is Yidai? Yidai credit card is a credit card product issued by the Industrial and Commercial Bank of China that is oriented to the public, linked to merchants, and can be used directly for consumption. It is the first dedicated consumer credit card product in China. Installment credit card. Customers can directly use Yida credit cards to make purchases and pay in installments at ICBC designated merchants without going to the bank to go through the approval procedures.

Hope this helps you..

Question 2: Banking problem ~ What does Yidai mean? Yidai Credit Card is a credit card product issued by the Industrial and Commercial Bank of China that is oriented to the public, linked to merchants, and can be used directly for consumption. It is the first dedicated consumer installment credit card in China. Customers can directly use Yida credit cards to make purchases and pay in installments at ICBC designated merchants without going to the bank to go through the approval procedures.

Spend smartly and manage finances wisely to ensure the quality of your exquisite life!

It can be used by 50,000 merchants across the country. The merchant types include electrical appliance stores, large department stores, luxury goods, jewelry and crafts, travel agencies, education and training, automobile 4S stores, home furnishing stores, etc. We meet your consumer needs! Since May 19, merchants in Hong Kong and Macau have started accepting Yida credit cards, and the scope of merchants is still being expanded. For details, please see the list of special merchants on this website. Note: Currently, overseas merchants other than our bank accept Yida credit card installment payment, only offering two options of 6 and 12 installments. If there is any change, please refer to the announcement on this website.

The "big" discount is to waive annual fees for up to three years, and the loan benchmark interest rate is adopted for installment payments, which is better than the existing market charges for installment payments, reducing your expenses.

Tailor-made "quasi" ICBC has granted you a consumption quota in advance according to the proportion of your total salary during the year of ICBC. The quota is intuitive and you can enjoy the quota immediately after applying for the card.

The transaction process is "fast". Use your card to purchase goods worth more than 600 yuan at ICBC designated merchants, sign and confirm on the special POS printed receipt, and the installment payment can be completed in real time.

The "Excellent" installment plan allows you to choose the number of installments. One installment is one month. You can choose any of 24 installments, up to 36 installments. The installments are flexible and the amount and time are as you like. Take control!

Repayment options include "multiple" business outlets, self-service terminals, online banking, telephone banking, mobile banking and other repayment channels for you to choose from.

You can also designate an account for automatic repayment. At the same time, Yida Credit Card is directly linked to your salary payment account at ICBC, giving you more freedom in repayment options!

As long as you have payroll agency business with ICBC and have good credit status, you can apply for Yidai Credit Card at ICBC branches or online banking.

Warm reminder: Online card application is not available in some areas for this product. Please refer to the website for specific information.

Question 3: What does "Zhongyi Loan" mean? 365cego/article-539 When the consumption amount is greater than 600 yuan and the relevant application conditions for ICBC Yidai are met, the ICBC system will automatically approve and issue it to you. The RMB credit consumption loan for consumption purposes - Yida. Use ICBC "Easy Loan" (installment payment), starting from 600 yuan, fully online, fully self-service, borrow and repay anytime, ICBC credit card, debit card, bank account can be used ~

Question 4 ：What does Yidai installment mean? 365cego/article-539

When the consumption amount is greater than 600 yuan and meets the relevant application conditions of ICBC Yidai, the ICBC system will automatically approve and issue it to you for the consumption purpose RMB credit consumer loan-Yidai.

Use ICBC "Easy Loan" (installment payment), starting from 600 yuan, fully online, fully self-service, borrow and repay anytime, ICBC credit cards, debit cards, and bank accounts can be used~

Question 5: What is ICBC’s “Yidai” business? Does it mean credit card? Yidai business and Yidai credit card are two different concepts. "Yidai" is a credit-based consumer credit service provided by ICBC that can be applied for and issued immediately. After using ICBC debit card, passbook or credit card to make POS purchases at special merchants or make purchases at cooperative online malls, you can apply as long as you meet certain conditions. You don’t need to go to the counter to apply for a Yida loan. The system will automatically approve the application and the funds will arrive instantly. It’s not a credit card. You don’t need to apply for a new card. You can just apply for consumption installments on the original card.

Question 6: What is ICBC’s Yidai business? "Easy Loan" refers to the credit-type consumer credit that our bank provides for instant application and immediate issuance to customers who hold their own bank debit cards (passbooks) or credit cards and make purchases through special merchant POS or B2C purchases at ICBC cooperative malls. Serve.

Question 7: How to apply for Yidai? Are there any conditions required? First of all, you must be an ICBC salary payment customer, and ICBC has paid salary for more than a certain period of time. You must also have a good credit rating and a certain amount of deposits with ICBC (treasury bonds, wealth management, precious metals, and funds are all acceptable) before you can apply for Yidai. In fact, whether Yidai can sign an agreement, you can check whether it can let you sign the Yidai agreement in ICBC's online banking online loan. Even if many people seem to meet the conditions for Yidai, they are not allowed to sign the agreement. Some people do not have the quota even if they sign. So it’s hard to say what are the specific conditions for applying for Yidai, but at least the conditions I mentioned above must be met.

Question 8: What are the repayment methods of Yidai? Industrial and Commercial Bank of China's Yidai adopts the equal monthly repayment method

Question 9: What does the Peony Yidai Card mean? Yidai Credit Card is a credit card product issued by the Industrial and Commercial Bank of China that is oriented to the public, linked to merchants, and can be used directly for consumption. It is the first dedicated consumer installment credit card in China. Customers can directly use Yida credit cards to make purchases and pay in installments at ICBC designated merchants without going to the bank to go through the approval procedures.

Hope this helps you..

Question 10: Yidai Credit Card Yidai Credit Card is a credit card issued by the Industrial and Commercial Bank of China for the general public, linked to merchants, and can be used directly for consumption. The credit card product is the first dedicated consumer installment credit card in China. Customers can directly use Yida credit cards to make purchases at ICBC designated merchants, and there is no need to go to the bank to go through the approval procedures for installment payments.

The scope of application is "wide" and can be used by 50,000 merchants across the country. The merchant types cover electrical appliance stores, large department stores, luxury goods, jewelry and crafts, travel agencies, education and training, automobile 4S stores, home furnishing stores, etc. We meet your consumer needs! The discount is "big": annual fees are waived for up to three years, and installment payments enjoy ultra-low handling rates, which are better than the existing market charges for installment payments and reduce your expenses. ICBC has granted you a consumption quota in advance based on the proportion of your total salary paid by ICBC during the year. The quota is intuitive and you can enjoy the quota immediately after applying for the card. Tailor-made and "accurate" ICBC has granted you a consumption quota in advance based on the proportion of your total salary paid by ICBC during the year. The quota is intuitive and you can enjoy the quota immediately after applying for the card. The transaction process is "fast". Use your card to purchase goods above 600 yuan at ICBC designated merchants, and sign and confirm on the special POS printed receipt to complete the installment payment in real time. "Excellent" installment plan: You can choose the number of installments, one month is one, and you can choose between 24 installments, up to 36 installments. The installments are flexible, and the amount and time are at your discretion. "Multiple" repayment options: Business outlets, self-service terminals, online banking, telephone banking, mobile banking and other repayment channels are available for you to choose from. You can also designate an account for automatic repayment. At the same time, Yida Credit Card is directly linked to your salary payment account at ICBC, giving you more freedom in repayment options!

Remarks:

Yida credit card cannot be used for overdraft, transfer, or cash withdrawal, and can only be used for installment consumption. Moreover, you cannot pay in installments at places other than special merchants, and you cannot use the money in the card for consumption, you can only use the overdraft limit for consumption. If you do not swipe your card at a special merchant, the interest will be calculated on that day and there will be no interest-free period.