The advance credit of ABC is 300,000 yuan, which means that the estimated loanable amount given by ABC after comprehensive evaluation of customers' credit status and repayment ability is 300,000 yuan, but this amount is only a preliminary estimated amount, not a real credit amount. If the credit line is to be revoked in the future, it is often necessary to conduct a more rigorous review again. Credit line is a reusable loan fund provided by banks or other lending institutions. You can only mention the credit limit, and you should make it clear when borrowing.

First, bank credit is similar to credit card. The bank will give users a certain amount of money, which users can use at any time in a certain period of time, but credit loans usually require the user's real estate to be mortgaged in the bank; Bank loan is an economic behavior that the bank issues loans to individuals or enterprises at a fixed interest rate and repays them on a fixed date.

1. Bank credit refers to the funds provided by commercial banks to customers of non-financial institutions, or the guarantee for the compensation and payment liabilities that may occur in related economic activities. Its business types are diverse and involve a wide range. Including loans, trade financing, bill financing, financial leasing, overdraft, advances and other off-balance-sheet businesses, as well as off-balance-sheet businesses such as bill acceptance, letter of credit opening, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of assets with recourse and unused irrevocable loan commitment.

2. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, house mortgage, or proof of income. Anyone with good personal credit can apply. At present, most people buy houses and start businesses through bank loans, and the state actively encourages us to borrow through banks, which makes the national economy more and more dynamic and better.

Second, handling the bank credit line will not affect our going to the bank for loans, but it is more beneficial for us to go to the corresponding bank for loans, because after handling the credit line, our qualifications have been recognized by the bank, which also shows from the side that we are not short of money, have a stable daily income, and have the ability to pay the interest generated in each period and finally repay the loan.

If we want to apply for a loan, the bank will first inquire about our credit information, but it will inform us before inquiring about the credit information and after obtaining our permission, otherwise it is illegal for the bank to inquire privately. Usually pay more attention to your credit information. If you have a loan before, you should pay interest and repay the loan in time to avoid adverse effects on your credit information.