The credit limits of all cards under the name of ICBC are related to electronic debit cards. If the total amount is 50,000 yuan, if the electronic debit card withdraws 40,000 yuan, then the overdraft amount of all credit cards is at most 6,543,800 yuan. At the same time, the total credit of individual customers can be fully withdrawn through e-loan. Rong e loan is a personal consumption loan launched by ICBC for specific borrowers. The characteristic of this kind of loan is that it does not need guarantee or mortgage. As long as the user's credit is good, he can try to apply. In addition, users can apply for e-loan directly online, without going to ICBC outlets, saving some loan processing time. For users, as long as they meet the application conditions of e-loan, they can submit loan applications. As for whether they can pass the audit, it depends on the display results of the page. The version number of China Industrial and Commercial Bank app is: v 6.1.0.9.2; ; Apple version number: v6. 1.0.5. 1.
1. Is Rong E loan a turnover line? Rong e loan is a personal loan product launched by ICBC, and the amount can be recycled. As long as the customer maintains a good loan repayment record and personal credit, the amount will be restored after the payment, and the customer can borrow again after the amount is restored. As for the loan period, it is generally two years and the longest is five years. After the customer receives the e-loan, he can repay it with the loan or repay it in advance. He also supports two repayment methods, namely, average capital and equal principal and interest, and some customers can repay the principal in one lump sum on schedule. It's just that in any case, everyone should remember to repay on time. Because if the customer has bad behavior such as overdue, it will be recorded in the credit report, which will affect personal credit and may lead to the subsequent system evaluation failing to meet the standard. However, if the system detects that there is something wrong with the customer's credit, it may not provide the credit line again, resulting in that the credit line cannot be recovered after the customer pays back the money. Moreover, the customer has no credit line and can't borrow any more.
2. Why didn't ICBC recover the amount after E's repayment? Overdue repayment: Many friends forget to repay when due, which leads to overdue. However, because ICBC has a three-day grace period, if the user pays off all the arrears within three days, then ICBC will not upload its overdue information to the central bank for credit investigation, otherwise it will become overdue; Credit investigation: As the first of the four major banks in China, ICBC attaches great importance to credit investigation of users. If the borrower's recent credit information is tainted, ICBC will cancel the credit line. There are many reasons for credit stain, such as overdue credit cards and utilities; Repayment ability: In the eyes of banks, economic income equals repayment ability. If the borrower's recent economic income decreases, it means that the borrower's repayment ability is also reduced. In order to reduce the loan risk, ICBC will naturally recover the credit line.