Ronge loan is a personal consumption credit product of ICBC, with a maximum amount of 200,000 yuan and a loan term of two years. The most important thing is that the interest rate is extremely low, which was once considered as a conscience product in the industry. Many friends who don't have an ICBC credit card want to apply, but I don't know if Rong E needs a credit card. Let's introduce it to everyone.

Before that, we need to know the application conditions of electronic loan.

I consulted the artificial intelligence customer service of Industrial and Commercial Bank of China, and learned from the answers given that the applicant for e-loan needs to be a China citizen who is over 18 years old and has certain repayment ability, that is to say, he must have a stable job and income, and can provide reliable repayment guarantee without a job.

In addition, Rong e loan does not support handling in different places, and must be handled at the ICBC outlet where I work or live. However, the handling conditions of each branch may be different, so it is best to call the local branch before applying.

These conditions do not mention that ICBC credit cards are necessary.

In other words, you can apply for e-loan without ICBC credit card. Of course, it is better to provide credit cards. If the credit card amount is high and the card condition is good, it will help improve the success rate of e-loan.

However, it needs to be clear that holding an ICBC credit card may not be able to achieve e-loan, even if there is a credit card, it depends on the applicant's comprehensive qualifications. In addition, the credit card limit will also affect the e-borrowing limit. It is said that ICBC credit card and e-loan share the total credit line, and the credit line is not enough to apply.

Is the above "ICBC e-loan credit card?" . In short, if you want to apply for e-loan, you must understand the application conditions and avoid unnecessary trouble.